Credit Cards


Please call 1-800-992-3808 to activate your card.

Debit/Visa credit cards that are not activated within 60 days of receipt will be blocked for security reasons. If you have had your card for more than 60 days please contact us.

If you have any issues regarding the activation of your new card, please call us at 1-800-427-1223.  Important: your current phone number confirmation will need to match your phone number that is on record with the credit union. If you have changed your phone number, please call us at 1-800-427-1223.

Benefits of a DECU credit card include low APR and 0% balance transfer APR.
  • Rates are non-variable and start at just 13.90%APR
  • Continuous Fraud Monitoring
  • No liability on unauthorized charges

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Call us to report a lost or stolen Visa Credit Card or Visa Debit Card

24/7 1-800-472-3272

Read our Documents and Disclosures

Visa International Transaction Fee for VISA® Check Card and ATM Card Holders

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.

Visa Blocked Countries

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.

Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate.

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. 3% Fee on the balance transferred. Minimum monthly payment is $20 or 2% of the outstanding balance, whichever is greater. Rate and offers current as of 01-30-2019 and are subject to change.

View pricing lists & cardholder agreements

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Routing Number: 211288996