Credit Cards – Downeast Credit Union

Credit Cards


Offering great low rates, no annual fee and a sweet introductory balance transfer special, why would you want to go anywhere else for a credit card?!  Apply today in minutes and see if you qualify for our DECU VISA Credit Card. 

Keep your business local and enjoy the many benefits of your Downeast Credit Union VISA Credit Card.

Calculate & compare rates – see how long it will take to pay off your credit cards.

Benefits of a DECU Credit Card include low APR and
0%* balance transfer special.
  • No annual fee
  • Rates are non-variable and start at just 11.90%APR
  • Save big with our 0%APR Balance Transfer Special for 12-months
  • Feel more secure with Continuous Fraud Monitoring
  • Zero liability on unauthorized charges
  • Debt protection options available
  • Works with Google Pay™, Apple Pay™ and Samsung Pay™

Apply Now

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

ACTIVATE YOUR CARD: Please call 1-800-992-3808 to activate your new card and select or change your PIN number.

Important: when calling to activate your card or select your PIN, you must be calling from the phone number that is on record with the credit union. If you are having issues with card activation or have recently changed your phone number please contact us at 1-800-427-1223.

DECU Visa Debit and 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.

Enroll in Enhanced Safety Alerts

Once you have been issued your new card, please register your DECU VISA Debit or Credit card to receive VISA PURCHASE ALERTS by visiting Registering is easy and safe, and will provide you peace of mind knowing that you will be notified any time your card is used. VISA PURCHASE ALERTS allow 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 ALERTS.

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

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.

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.

DECU will block the usage of Debit and Credit cards in Countries where the possibility of fraud is extremely high or where an unprecedented number of fraudulent transactions have originated, it is important you notify us at 1-800-427-1223 prior to traveling out of the Country.

*Rates are based on an evaluation of applicant credit. Your actual Annual Percentage Rate (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 which the APR will revert to the rate you qualify for and are paying on your Downeast Credit Union VISA® Credit Card purchases. Cash Advances accrue a finance charge from the date made. There is a 4% Balance Transfer Fee. The minimum monthly payment is $20 or 2% of the outstanding balance whichever is greater. Qualifications based upon credit worthiness and our underwriting guidelines. Rates are non-variable and range from 11.90% APR up to 17.90% APR as of January 20, 2023. 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. Ask for current rates, terms and conditions.

View pricing lists & cardholder agreements

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Routing Number: 211288996