We offer the Platinum Preferred Visa with options and flexibility to meet your needs.

  • No Balance Transfer Fee
  • Rates as Low as 8.75%
  • No Annual Fee
  • 25 Day Grace Period on Purchases


Fraud Protection

In today’s world with fraud growing at an alarming rate, you can feel secure using your Bayer Heritage credit card. All of our cards are monitored by a fraud prevention network. This means that our cards are monitored 24 hours a day, 7 days a week, for unusual activity outside the normal spending pattern and geographical area of our cardholders. To avoid denials when traveling, notify the credit union of your travel plans and we will be happy to note your account to avoid any inconvenience. 


Payment Protection Available for Your Peace of Mind

  • Loss of Life: Cancels your loan balances up to $100,000.00 should you become deceased before paying off the loan. This protects your family from inheriting your debts.
  • Disability: Cancels your monthly loan payments for a period of time if you are unable to work due to illness or injury.
  • Involuntary Unemployment: Cancels your monthly loan payments for a period of time if you become involuntarily unemployed.


Added Benefits to Your Loan:

  • Special Rate Discounts for Auto Pay, Direct Deposit or ACH
  • No Prepayment Penalties

For more information about Visa Credit Cards call 800-272-6003 Option 1 or visit a lending professional at your nearest credit union office.


VISA Platinum Consumer Credit Card Agreement

Apply online now

VISA Platinum Application and Solicitation Disclosure


Lost or Stolen Visa credit card