VISA Card Services

You can’t go wrong with VISA cards from Diversified Credit Union. Whether you’re looking for a convenient credit card or a prepaid card, we can help. Best of all, we won’t surprise you with high interest rates or surprise service fees.

VISA Credit Cards

You can’t go wrong with Diversified’s VISA credit card. Benefits include: VISA logo

  • No Annual Fee
  • Variable-rate low APR Rate (click here for current rate)
  • Generous credit line
  • 25-day grace period on purchases (cash advances accrue from the date of the advance)
  • $200,000 in travel insurance when you purchase common carrier travel tickets on your Diversified VISA card
  • Rewards points can be redeemed for cash back, airline tickets, cruises, hotels and merchandise. To view your points, just log on to*.
  • Free OnlineVISA Access to monitor your card transactions and make payments, etc.

Apply for a VISA Card

Get a Corporate VISA Card

Consolidate your Credit Card Debt

*Terms and conditions applicable to the CURewards program will be mailed to all DCU cardholders. Contact the credit union for complete details.

Traveling Out of the Country?

Notify Diversified Credit Union when you travel outside of the United States at least one week in advance of your departure date. We will need the following information:

  • Where you will be traveling
  • How long you plan to be out of the country, and your return date

This information will be noted on your account and will alert us to transactions that will occur outside your typical spending patterns. Call your local branch to note this information on BOTH your debit and credit cards.

VISA Credit Cards from Diversified CU

Online VISA Access

CURewards Online

If your VISA Credit Card is lost or stolen, call 1-800-449-7728 anytime day or night.

Chip Safety

Safe & Secure Transactions in a Small Chip
ChipSampleDiversified Credit Union has added the security of chip technology to our Visa Debit and Credit Cards. Chip card technology, also known as EMV, helps reduce the risk of fraud during card-present transactions. Chip cards generate a unique code with every transaction that will be useless for future transactions. In addition, the embedded microchip makes duplicating cards for counterfeit purposes nearly impossible.

Enjoy an advanced way to pay:

  • Use your card at any merchant that accepts Visa debit or credit cards
  • Your card can be used at chip and non-chip terminals
  • No added costs or fees

How to Use Your Chip Card

How to Use Your Chip Card

Chip Card FAQs
  • What is a Smart Chip or Chip Card? Your chip card comes with an encrypted microchip embedded in the card.  The chip contains your card number, name, and other account information. There is no other personal information stored on the chip.
  • How is the Chip Card more secure? The embedded microchip provides unique data specific to your card and the transaction being processed.
  • Why is my card being upgraded to a Chip Card? Chip technology is already used in other countries and is now coming to the U.S.
  • Can I use my Chip Card for everyday transactions or at Non-Chip terminals? YES! Your chip card will also have the usual magnetic stripe on the back so you can continue using your card at ATMs and Point of Sale Terminals while merchants in the U.S. are transitioning to new terminals.
EMV Chip Security


If you have any questions about your new chip card, call us at 612-321-5300.

DCU Visa Chip Card

Debit Prepaid Cards

Load it with the amount you want.
Spend only the amount you have.

Now there’s a way to control your spending, but still enjoy the convenience of a debit card. Simply carry our prepaid debit card.

Load up the card now. Add money to your account any time.
Our prepaid debit card helps you manage your money because it’s pre-funded. That means you can only spend the amount on the card. We even give you an online management tool so you can track your spending just by checking your computer. Want to spend more? Then add more to the debit card. You can load additional funds onto the card simply by going to the online management tool. Then use the card wherever debit cards are accepted. You can even make surcharge-free cash withdrawals at participating CO-OP Network ATM machines.

Avoid being overdrawn. Eliminate overdraft fees.
Since you can’t spend more than what’s loaded on the card, you’ll never be overdrawn. That means no overdraft fees. No embarrassing mistakes. Our prepaid debit card is also very safe. That’s because it’s not linked to any account, so if it’s lost or stolen, you won’t have any risk. And it’s much safer than carrying cash.

Debit Prepaid Cards from Diversified CU


To apply for the prepaid debit card, call us at 612-321-5300 or 1-800-333-7757. It’s the smart way to spend your time and money.

Diversified Credit UnionFind DCU on Facebook

LaSalle Plaza and Linden CenterPoint Branch 612-321-5300   |   Outside Metro 800-333-7757   |   Waseca Branch 507-833-4320