*Due to nationwide supply chain issues, we are experiencing delays in the printing and issuing of physical cards. This will impact the time required to deliver new or re-issued Credit/Debit Cards. We are working closely with our supplier to expedite the printing process and will continue to actively monitor the situation.



We have credit cards to fit your financial needs, whether it’s getting rewarded for your night on the town, consolidating debt, or establishing credit for the first time.

All Credit Cards

No matter which card you choose, you will be able to enjoy the following benefits:

  • No annual fee
  • EMV chip for enhanced security
  • Emergency cash & card replacement - 24 hours a day/7 days a week
  • Rental car insurance
  • Rates do not change if you have a late payment
  • No liability on fraud as long as you comply with Visa® notice rules
  • Visa Alerts  - receive notifications about account activity. Sign-up!

Works With

Apply Pay logo
Google Pay Logo
Visa Checkout logo

Which Credit Card Option is right for you?

creditcard rewards icon

I want to get rewarded as I spend.

Our Visa® Platinum Reward Credit Card is the option for you. As you use your card, you’ll accumulate one point for every dollar you spend that you can redeem for account credit, travel, charity donations, event tickets, and/or activities. Click Here for instructions on how to redeem your reward points or Visit our rewards site for more information.

low rate credit card icon

I want a low rate card that I can carry a balance on.

Our Visa® Platinum Credit Card provides a lower rate without the rewards. It’s great for emergencies, consolidating debt, or everyday spending. Rates as low as 10.70% APR*.

first credit card icon

I want to establish credit with my first credit card.

Our Visa® Platinum Credit Card is a perfect card for borrowers who want to establish a positive credit history with their first card. Rates as low as 10.70% APR*.

positive credit history icon

I want to establish a positive credit history.

Our Share Secured Visa Credit Card is great for members who want to establish a positive credit history while securing the card with their share account. Rates as low as 9.95% APR*.

Balance Transfer

Transfer your balance from another credit card(s) to save money and pay down your debt faster.  With an introductory 2.00% APR*** for 6 months and no balance transfer fees, it’s a no brainer.

Apply Now

Complete Balance Transfer Form

friends having dinner at restaurant
mature couple shopping in city

Visa® Gift Cards

Simplify your gift giving with the perfect gift for anyone: a Visa® Gift Card. This card gives the recipient the flexibility and convenience to choose where to go and what to buy.

  • Available in whole dollar amounts from $25 to $750
  • May be used at most merchants where Visa® is accepted**
  • $2.50 fee per card
  • Visa® Gift Card Terms & Conditions
  • Register your Visa® Gift Card


Visit any Vermont Federal branch location to purchase Visa® Gift Cards

For Lost/Stolen Card Services 24-Hour Support:

If your credit card is lost or stolen, please call (800) 234-5354

New Credit Card Payment Address

The address to remit credit card payments will change effective for all statements after November 2019. If you pay your credit card bill by mail, please remit all future payments to the follow address:

Vermont Federal Credit Union
P.O. Box 37035
Boone, IA 50037-0035

If you have any questions, please call our Call Center at (888) 252-0202.

*The Annual Percentage Rates are variable and can change based on the Wall Street Journal Prime Rate plus a margin of 6.70% on the Visa® Platinum Rewards Card and 3.70% on the Visa® Platinum card. Rates quoted are "as low as" and may vary based on your individual credit. Must be a member of the Credit Union to obtain a credit card. All loans are subject to approval.
**Certain vendors require a minimum amount on a card for prepayment purchases such as gas, hotel deposits, incidentals and rental cars. Be sure to check with the individual vendor prior to use.