Online Banking
Get More for Every Dollar You Spend!
Whether you're grabbing groceries, booking a trip, or just filling up the tank, our Visa STEEL Rewards Credit Card give you more for every dollar. You'll earn 1.5 points for every $1 you spend - redeemable for travel, gift cards, cash back, and more! And, because your points never expire, you can save them up for something big. With no annual fee, no balance transfer fee, and union-friendly service built right in, this card works as hard as you do.
Benefits/Features
10,000 Bonus Points1
Get a head start - earn 10,000 bonus points when you spend $1,000 in first 90 days.
1.5 Points on Every $1
Rack up points faster with 1.5 points per $1 spent - no restrictions!
No Expiration Dates
Your points never expire, so you can save up for the rewards that matter most.
Easy Redemption
Use points for travel, merch, gift cards, or cash back - browse now!
No Annual Fee
Keep more of your money. There's no annual fee to carry this card.
No Balance Transfer Fee
Consolidate your balances without getting hit with transfer fees.
Fraud Protection
Includes Visa's Zero Liability policy and real-time transaction alerts.
Contactless Payments
Tap and go with Apple Pay, Google Pay, and Samsung Pay compatibility.
OE Federal Rewards Program
With every purchase, you'll earn valuable rewards - no rotating categories, no caps, no stress.
- Earn 1.5 points for every $1 spent using a Visa STEEL Rewards Credit Card
- No limit - earn as many points as you want.
- Pay With Points: Eligible merchants allow you to use your points right at the Point of Sale rather than redeeming them later.
- Redeem points for other things like Cash Back, Gift Cards, Event Tickets, Branch-Name Merchandise, Travel, Excursions, and more!
- Save and redeem points on your own schedule - points never expire!
Balance Transfer
Transferring your high rate credit card balances to a lower rate credit card can help you achieve a debt-free future, sooner! And the best part, we never charge any balance transfer fees.
- New Cardholders can request a balance transfer during the application process.
- Current Cardholders can request a balance transfer through Online Banking.
- Follow our simple How-To Video to submit your Balance Transfer request.
Visa STEEL Rewards Credit Card Rates
Should I transfer my credit card balances?
You might realize significant monthly interest savings by transferring your higher rate credit card balances to a lower rate credit card. Use this balance transfer calculator to help determine those potential savings.
| Loan Type | Annual Fee | Maximum Amount | Lowest Annual Percentage Rate | Annual Percentage Rate - Variable |
|---|---|---|---|---|
| VISA® STEEL | None | $20,000 | 13.230% | 0% Intro for first 6 months, 13.23% to 17.98% thereafter* |
| VISA® STEEL Rewards | None | $20,000 | 16.230% | 16.23% to 17.98% |
| VISA® STEEL Secured | None | $20,000 | 10.240% | 0% Intro for first 6 months, 10.24% thereafter* |
| VISA® STEEL Secured Rewards | None | $20,000 | 13.23% | |
*0% APR on new purchases and balance transfers only; does not include cash advances. After the first six months of your account opening, the APR for purchases and balance transfers will revert to your standard APR and will vary based on the Prime Rate. See VISA Terms and Conditions. Information accurate as of April 1, 2025. | ||||
Visa STEEL Rewards Credit Card Questions
*To earn 10,000 Rewards Points, you must make a minimum of $1,000 in new purchases within the first 3 billing cycles of your account opening. Does not include balance transfers or cash advances. Rewards Points promotion ends when you reach $1,000 or after your first 3 billing cycles, whichever comes first.
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