Down East Credit Union
Credit card calculators

Apply for a DECU
Visa today!

Print and complete the following PDF documents, then mail or bring them to any DECU branch.

 Credit Card Application
and Agreement

 Credit Union Membership Account Application
(only necessary if you're not already a DECU member)


Visa Credit Cards

Reasons why your credit card should be a Down East Credit Union Visa

  • 0% APR  promotion on balance transfers for 12 billing cycles; after the APR will revert to the rate you qualify for and are paying on your purchases
  • There is a 3% Fee on the balance transferred
  • Minimum monthly payment is $20 or 2% of the outstanding balance, whichever is greater
  • Qualifications based upon creditworthiness and underwriting guidelines.
  • Rates are non-variable and range from 10.9% APR up to 17.9% APR
  • This offer is valid as of January 28, 2017
  • Current DECU VISA balances are not eligible
  • All credit union loan programs, rates, terms, and conditions are subject to change at any time without notice
  • Continuous Fraud Monitoring
  • Zero Liability on Unauthorized charges
  • 24 Hour Online Account Access
  • No Annual Fee
  • Non-variable Rates
  • Debt Protection - 3 Different options to choose from
  • Payments applied are immediately available
  • Local Servicing
  • Register your DECU VISA Debit or Credit card to receive VISA PURCHASE ALERT E-Mails by visiting  Registering is easy and safe, and will provide you peace of mind knowing that you will be notified anytime your card is used.  VISA PURCHASE ALERT E-Mails allows you to customize the dollar amount of the transaction to be notified.  For example; you can be alerted for all transactions that are above $1 or $100.  Each time your card is used outside of the United States, or used for Online Shopping, or an Over-the-Phone transaction, you will be notified by VISA PURCHASE ALERT E-Mails.

* Cash Advances accrue a finance charge from the date made. Please refer to your Visa Agreement for complete details.

Read our Documents and Disclosures »


Change to process for posting foreign transactions on share draft (checking) statements
Currently when a purchase, cash advance or ATM transaction is made in a foreign country, the transaction amount is converted to U.S. dollars and adjusted by a 1% currency conversion fee. When the transaction is posted to your account, the total amount (purchase amount plus conversion fee) appears as a single transaction on your share draft account statement.

The currency conversion fee will be discontinued. Instead, a 1% International Transaction Fee will be assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your share draft account statement. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements.

Change to foreign transaction currency exchange rate
The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.

When going on vacation we'd like to remind you to let us know before you travel either out of state or out of the USA, call us at 1-800-427-1223. Our fraud alert monitors your account for unusual activity and by notifying us before you go we will know that the activity on your account is legitimate.

If your trip will take you outside of the United States to any of these VISA Blocked Countries: Japan, Malaysia, Italy, Mexico, Lithuania, Romania, Australia, Greece, Nepal & Pakistan. We can arrange for you to use your VISA Debit or Credit Card but we must have prior notification.

To report a lost or stolen Visa Credit Card or Visa Debit Card
Call 1-800-472-3272
(24-hour phone number)


Down East Credit Union ~ 1-800-427-1223 ~

Equal Housing Opportunity

Down East Credit Union is a Maine Credit Union Serving Washington, Waldo, Hancock, Penobscot, Lincoln,
Kennebec, Sagadahoc, and Knox Counties, and the towns of Brunswick and Harpswell in Cumberland County.
Branch offices are located in Baileyville, Machias, Belfast, Unity, Bangor, Calais, Richmond, and Topsham.

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