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(708) 649-6400
1001 Mannheim Road, Bellwood, Illinois 60104
9850 W 159th Street, Orland Park, Illinois 60467



First-Rate Platinum Visa
  • Regular rate as low as 9.9% APR for purchases, cash advances and balance transfers*
  • No annual fee
  • No balance transfer fees
  • 25-day minimum grace period on purchases
  • $0 liability for fraudulent transactions
  • Identity theft victim assistance and reimbursement insurance
  • 24-hour account access
  • Plus many more prestigious benefits
Platinum Premiere Visa
  • Regular rate as low as 12.6% APR for purchases, cash advances and balance transfers*
  • No annual fee
  • No balance transfer fees
  • Earn rewards with Premiere Points
  • 25-day minimum grace period on purchases
  • $0 liability for fraudulent transactions
  • Identity theft victim assistance and reimbursement insurance
  • 24-hour account access
  • Plus many more prestigious benefits

Looking to build or rebuild credit?
Secured Visa option available.


If you need to establish credit history or your credit history has taken a hit and you want to rebuild your credit score, our Secured Visa might be a good fit for you. With our Secured Visa, you'll benefit from the convenience of a credit card that is secured by the funds on deposit in your Share Account. Our Secured Visa has a very competitive rate and low fees. Make regular monthly payments to help establish or reestablish credit.

We offer special accounts for members ages 16-21.

We also offer our C3 Visa, which is designed for 16-21 year olds.  For more information about our C3 Visa and other C3 products, click here.

Save on interest and payments.
Pay no balance transfer fees.

Compare our rates to those of your other cards. Chances are, you’re paying higher rates. Transfer your higher-rate balances to your new Visa Platinum, and reduce your monthly payments and interest charges.  Best of all, there is no charge to transfer your balances to your credit union Visa Platinum so you’ll start saving right away.

Great savings and a wealth of other privileges.

With both of our cards, you’ll enjoy the following additional services designed to give you the highest level of convenience and protection:

  • $0 liability for fraudulent transactions
  • Identity theft victim assistance and reimbursement insurance
  • Verified By Visa online fraud protection
  • $500,000 in free travel accident insurance
  • Repayment through our free home banking
  • Online access to account transactions and history
  • Visa checks for purchases or balance transfers
  • Auto rental collision damage coverage
  • Travel and emergency assistance
  • Personal property purchase security
  • Warranty manager services

Get vehicle loan discounts, free travel and more with Premiere Points.

With our Platinum Premiere Visa, you’ll earn Premiere Points for every dollar you charge on your card.**  Points can be redeemed for:

  • .25% discounts on new and used vehicle loans and refinances from other institutions
  • 1.25% rate bonuses on $5,000, 12-month certificates
  • Gift certificates redeemable for free travel and merchandise from more than 100 retaliers nationwide

The redemption for vehicle loan discounts and certificate rate bonuses is 5,000 points.  The minimum redemption for gift certificates is 7,500 points.  For 7,500 points you’ll receive a $75 gift certificate, for 10,000 points a $100 gift certificate and so on.

Pay online with Central At Home.

  • Make your payments 24 hours a day
  • Click here, and register online using your electronic services PIN
  • Transfer funds from the deposit account of your choice
  • Payment will be made immediately
  • Receive online transaction confirmation


Reduce Visa credit card fraud and monitor your spending anytime, anywhere with Alerts from Central Credit Union powered by Visa.

With near real-time Alerts from Central Credit Union powered by Visa, you can receive free updates on your Visa credit and debit card activity.

After your Central Credit Union Visa credit or debit card has been used, you'll receive an alert through text message or email. If there is fraudulent activity, you can find out within minutes and act quickly to resolve the situation.

How you use the service is up to you. You can choose to receive alerts when your Visa card is used for purchases over a specified amount, online transactions, purchases outside the United States, and more. You can even customize the purchase amount threshold -- for example, setting it to only receive alerts for purchases above $50.

Select the delivery options that best meet your needs with text messages, emails, or both for extra security and convenience. Each alert contains important information, including the purchase amount, merchant name and location (if available), and the last four digits of the Visa card used to keep you best informed.

All this is free for Central Credit Union Visa credit and debit cardholders.Click here to sign up today.


Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.

Use your Visa Platinum securely online with Verified by Visa.

Your Visa Platinum is protected by Verified by Visa, which password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction.  In only takes a moment, and then your card will have password protection whenever you shop online.  For a list of participating retailers, click here.  To activate your card now, click below.

Questions?

For more information, please call our Visa Department at (708) 649-6430.

*Actual rate may vary based on creditworthiness. Please see rate information below:

Account Type Annual Percentage Rate (APR) For Purchases, Cash Advances and Balance Transfers
First-Rate Platinum Visa 9.9% to 18% when you open your account based on your creditworthiness.
Platinum Premiere Visa 12.6% to 14.7% when you open your account based on your creditworthiness.
C3 Visa 14.7%
Secured Visa Platinum 18%
For additional important rate and fee information for Visa Platinum Accounts, please click here. The information about the costs of the cards described above is accurate as of 4/28/14 and is subject to change at any time. To find out what information may have changed, call us at (708) 649-6430 or at (800) 750-3660 if outside Chicago area.


Visa Fees
Late Payment Fee Up to $25
Over-Limit Fee Up to $25
Returned Check Fee Up to $25
Draft Copy Fee $5
Statement Copy Fee $3
Card Pick-Up Fee $65
Card Replacement Fee $10
**A maximum of 25,000 points may be earned annually. Premiere Points do not apply to transferred balances or cash advances. Program rewards subject to change. Program points expire after three years.

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