Credit Card Services

JPEFCU’s credit card program offers members the convenience of worldwide access with our low interest Secured, Classic, & Platinum Preferred VISA cards. A few of the special features attributed to our program are:

  • No hidden fees for cash advances, applications, balance transfer or prepayments.
  • No annual fee for active share draft account members and/or certificate members.
  • Payments can be made at any JPEFCU location.
  • Cash advances available at the Credit Union or any ATM
  • Early Fraud Warning
  • 25 Day Grace Periods
  • Round-the-Clock Customer Service
  • Card Activators
  • View credit card history and make payments on line

Traveling Abroad with a JPEFCU VISA Credit Card &/or Debit Card?

If you’re going to be traveling abroad with your JPEFCU VISA Cards, for security reasons we suggest you notify us beforehand and provide us with your travel dates (departing & returning) so that we may memo your account. If possible, you can also provide JPEFCU with a number where you can be reached.

Why? It’s for your safety & protection.

VISA cards are monitored for suspect activity, a very valuable protection service for our cardholders.

When an unusual transaction occurs, your card may be flagged for your protection until you can be contacted to verify the activity. If you cannot be contacted your card may be blocked-preventing you from using it. Next, JPEFCU would be notified. If we have your travel plans and a number to contact you, we can help you avoid the unnecessary inconvenience of not having access to your VISA card when you need it most.

Our Preferred Platinum card offers all the benefits available with our other cards, along with:

  • No Annual Fee
  • Gift & Travel bonus Points
  • Travel & Emergency Assistance
  • Warranty Manager Service
  • Auto Rental Insurance
  • ATM Access world-wide

JPEFCU VISA Classic card program offers a low fixed rate with credit limit up to $5,000.00 and if you are a share draft or share certificate account holder, no annual fee! You also receive these great benefits:

  • 25 Day grace period
  • Worldwide Acceptance
  • Members Choice Insurance (optional)
  • Early Fraud Warning
  • Travel Accident Insurance
  • Card Activator
  • Round-the-Clock Customer Service
  • Automatic Payment
  • ATM access world-wide


** $20.00 Annual Fee waived for Visa Classic
JPEFCU members with an active Share Draft Account or Share Certificate account.

The amount of money you place in a special S-VISA share account is pledged against your secured VISA credit limit. This security is a safeguard which allows you to handle your limit without fear of high credit card debt and can help you improve your credit history.

  • Fixed rate
  • Credit limit $250.00 minimum with a $2500.00 Maximum
  • No Annual Fee**
  • No Hidden Fees
  • Worldwide Acceptance
  • Members Choice Insurance(optional)
  • Early Fraud warning
  • Card Activator
  • Round-the-Clock customer service
  • Automatic Payment
  • ATM access world-wide
** $20.00 Annual Fee waived for VISA SECURED JPEFCU members with an active Share Certificate Account.