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Everyday Banking Page

Everyday Banking

Credit Cards

Low Rate or Reward Cards

Nicknamed the "Wow" cards, because people say "Wow!' when they see them. Apply for one of our credit cards today. Choose between our Visa Classic or Visa Reward card. We offer low rates and reward points that earn you merchandise and travel credit. Start today! No annual fee, low rates, and super benefits make our Visa credit card the smart choice.

Choose Any Card Design
Pick any card design you want. Mix it up to make the perfect match. Any card design, any program. Help yourself!

VISA® CLASSIC

 

RATES AS LOW AS

*Annual Percentage Rate Effective 08/09/19

10.40%+ APR*

Low Rate, Non-Variable


No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee**
Fraud Detection
25-Day Grace Period on Purchases
Choose From Any Card Design


**Interest accrues immediately on all cash advances.

See Credit Card Agreement and Disclosure

VISA® REWARDS

 

RATES AS LOW AS

*Annual Percentage Rate Effective 05/10/2022

7.50%+ APR*

REWARDS


No Annual Fee
No Balance Transfer Fee
No Cash Advance Fee**
Fraud Detection
25-Day Grace Period on Purchases
Reward Points That Won't Expire
Choose From Any Card Design

**Interest accrues immediately on all cash advances.

See Credit Card Agreement and Disclosure  

Rewards Program

 

With the ScoreCard™ Rewards Program, you get points every time you use your credit card for purchases. Earn one point for every dollar spent.+ Redeem points for brand-name merchandise and exciting travel offers through our ScoreCard™ Rewards Program. This card works double time.

  • ScoreCard™ Rewards are good for merchandise and travel
  • Get 10,000 bonus reward points the first time you use your card for a purchase. Wow!
  • Earn 1 point per $1 spent (purchases only)+
  • Get instant fuel price rollback at the pump and save 50¢ per gallon, up to 20 gallons
  • Get merchandise with as little as 10,000 points
  • Earn one point for each $1 transferred from another financial institution's card (Applies only at inception of card)
  • Combine points with your Visa Debit Card too
  • Families can combine points for bigger rewards!
  • Choose ANY card design: Washington State, Pabst Blue Ribbon, Oly Gold, Rainier or Lone Star
 
+Cash advances and ATM withdrawals do not earn any reward points.

More Visa Features & Benefits:


Low Minimum Payments: Your required minimum monthly payment is just 2.5% of your outstanding balance.

Dump Your Debt: Pay off high-interest credit cards from other financial institutions by transferring the balance to a low-interest O Bee Visa card. You get one point for each dollar transferred from a card at another institution. There is no balance transfer fee. Points for balance transfers apply only at inception of card.

Cash Advances: Any time you need cash—at home or while traveling—just stop by any bank, credit union or ATM displaying the Visa symbol and you can get the cash you need with a Visa cash advance. There is no fee for a cash advance. You also can use O Bee’s Mobile App or Online Banking to transfer a Visa cash advance to your savings or checking account.**

EMV Smart Chip Technology: Smart Chip Technology adds an additional layer of security when you use your credit card. Chip cards are more secure because they generate a unique code for each transaction. That code cannot be used again. This greatly reduces fraudulent activity on your card. Additionally, Smart Chip Technology allows you to upload your cards to your phone's Mobile Wallet for even more ease of use.

Card Controls: Card Controls allows you to block and unblock transactions on your Visa Credit Card or Visa Debit Card at any time, offering you additional security at your fingertips. When a card is blocked, no transactions are allowed, including purchases, cash advances, and even payments. Alternately, an unblocked card allows all transactions. Card Controls are conveniently located within the O Bee mobile app, so no need to download a separate app to manage your Visa cards.

Enhanced Fraud Monitoring
We provide enhanced fraud protection to safeguard your card account information against fraud and theft. Our Fraud Service Center monitors unusual activity to ensure your information remains safe and secure.


**Interest accrues immediately on all cash advances.

Choose Any Card Design


 

Learn what the experts at CardRates.com have to say about us!
 

Business Visa Card

Our Business Visa Card is the partner everyone wants. Smart, reliable and always there for you.

First Time Borrower

Looking for a first credit card or a first auto loan? We have great options for new borrowers to help you build credit and manage your account sensibly.

ScoreCard Rewards

Earn points towards merchandise and travel when you use your credit or debit card to make purchases.

COVID-19: Resources and Info


PERSONAL BANKING SERVICES

Friendly Personal Checking, Savings and Other Services

Find information on checking and savings accounts, mobile and online banking and other services.

Savings

A healthy savings account is money you can rely on.

Online and Mobile Banking

There’s never too much togetherness when it comes to you and your finances. Manage your account 24/7 anywhere.

Shared Branching

Fee-Free access to your money almost anywhere.

Newsletter Signup

Get our newsletter for money saving specials, members-only events, discount offers and updates on your credit union.

Credit Cards

Pick your card. Pick your program.

Teen Checking

When your teen is ready for more financial responsibility (with a bit of a safety net), consider a Teen Checking account.

Skip-A-Pay

Life happens. Sometimes it would be helpful to skip a monthly loan payment. Skip-A-Pay lets you do just that.

Scholarships

Helping local youth achieve their goals.

Rewards Checking

It’s a snap to open a checking account today.

Berenstain Bears® / Youth

Offering financial literacy and fun ways to save.

Covid Response and Resources

Learn about Covid-related updates here. Most lobbies now open. Safety measures in place. Appointments needed for some services.

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