Credit Cards
A Credit Card That Actually Works for You.
No annual fee. Low rates. Rewards on every purchase. Think River Valley First for your next card.
Most credit cards are designed to make the bank money. The RVCU Visa® Credit Card is designed differently because, as a member-owned credit union, your financial well-being is the whole point. Competitive rates, zero annual fees, real rewards, and the security controls to keep you in charge. That's the difference.
APR = Annual Percentage Rate. Subject to credit approval. Your actual APR will be determined based on creditworthiness. Membership eligibility required. Please review our full Credit Card Agreement and Disclosure for complete terms and fee schedules.
A Credit Card That Keeps It Simple.
Enjoy the benefits that matter most with transparent terms and no fine-print surprises.
No Annual Fee — Ever
You shouldn't have to pay just to carry a card. With the RVCU Visa®, there's no annual fee, period. What you earn stays yours.
Competitive Low Rates
Our card carries competitive Annual Percentage Rates (APR), so if you do carry a balance, you're not being punished for it. Rates are based on creditworthiness and clearly disclosed upfront.
See current rates and full disclosure below.
Balance Transfer Option
Carrying a balance on a high-rate card from another institution? You may be able to transfer it to your RVCU Visa® and save on interest. Ask us about current balance
transfer offers.
APR = Annual Percentage Rate. Balance transfer offers subject to credit approval and applicable terms. See disclosure for details.
Worldwide Visa® Acceptance
Use your card anywhere Visa® is accepted, in-store, online, or traveling abroad. With tens of millions of merchant locations worldwide, it's the access you need.
You're Always in Control with Card Suite Lite.
Life moves fast, and your card security should keep up. The Card Suite Lite app puts the controls directly in your hands, so you can manage your RVCU Visa® from wherever you are, whenever you need to.
Features:
-
Lock or Unlock Your Card Instantly: Misplaced your card? Lock it in seconds from the app. Find it again? Unlock just as fast.
-
Real-Time Transaction Alerts: Get notified the moment your card is used, so you always know what's happening.
-
Spending Controls: Set limits by category, merchant type, or transaction amount to keep your spending on track.
-
Travel Notifications: Heading out of town? Let the app know so your card works smoothly wherever you go.
A Card Backed by a Credit Union That's Backed by This Community.
When you use your RVCU Visa® Card, your dollars stay connected to a financial institution that actually cares about where you live. We don't have shareholders demanding profit at your expense; we have members. People like you, from Kent, Ionia, and Montcalm Counties, who trust us to do right by them.
That's the River Valley difference. And that's why we think your next credit card should come from here.
Built-In Protection You Can Count On.
Your security is a priority, not an afterthought. The RVCU Visa® Credit Card includes zero-liability fraud protection, meaning you won't be held responsible for unauthorized transactions if you report them promptly.
Our team is also here around the clock if something goes wrong.
To report unauthorized transactions on your Visa card: Call 1-855-961-1602 — available 24/7. Lost or Stolen Card: Call 1-833-933-1681 immediately.
Ready to Make the Switch?
Applying for the RVCU Visa® Credit Card is fast and simple. If you're already a member, you can apply online right now. Not yet a member? You may be closer to qualifying than you think; anyone who lives, works or worships in Kent, Montcalm or Ionia County can join.
Think River Valley First for a credit card that was built for you, not built to profit from you.
Important Credit Card Information
APR = Annual Percentage Rate. All rates are expressed as Annual Percentage Rates. Rates may be fixed or variable; see your Credit Card Agreement and Disclosure for details. Subject to credit approval. Your actual APR will be determined based on an evaluation of your individual creditworthiness at the time of application. Membership eligibility required. No annual fee applies to the RVCU Visa® Credit Card. Other fees may apply; please review the full Credit Card Agreement and Disclosure for a complete schedule of rates, fees, and terms before applying. Balance transfer offers are subject to credit approval, applicable promotional terms, and may be available for a limited time. Promotional APR applies only to qualifying balance transfers; standard purchase APR applies to new purchases unless otherwise stated. ScoreCard® Rewards program terms and conditions apply. Points are earned on qualifying purchases. See program terms for redemption details and exclusions. Zero liability protection applies to unauthorized transactions reported promptly in accordance with Visa® cardholder agreement terms. To report unauthorized card activity, call 1-855-961-1602. For a lost or stolen card, call 1-833-933-1681.