We are currently experiencing an issue with visa debit card transactions. Cardholders attempting to make PIN-based purchases with their Advantages Visa® Debit Card™ are getting declined. Visa is estimating that the issue will be resolved by tomorrow, October 16th.  We encourage you to select “Credit” at checkout and sign for your purchase so that it does not get declined.


We apologize for the inconvenience. We are currently working with Visa to get this resolved as quickly as possible.


Click here to become a member of UECU


Have questions? Need help? Call 800-288-6423

Home Equity Visa® Credit Card




Enjoy one of our lowest rate credit cards by making your home’s equity work for you.

  • Save money with no annual fee, no balance transfer fees, and no transaction fees for purchases
  • Relax and enjoy the ease of accessing your line of credit up to 100% of the value of your home

Need Help?
Call 800-288-6423

Benefits of the UECU Flex HELOC Visa® Card:

  • Visa card honored at over 3 million merchants worldwide
  • Rate tied to the Wall Street Journal prime rate, with a maximum rate cap of 18%
  • Rate may change on the 1st day of the statement cycle ending in January, April, July and October
  • May go up to 100% of appraised value (must be 1st or 2nd lien holder)
  • Minimum limit is $5,000, maximum limit is available equity
  • Can utilize as a cash advance from Visa or PLUS® ATMs, through an online funds transfer or at financial institutions where the Visa logo is displayed
  • Interest accrues from date of transaction for purchases or cash advance
  • Payments due the 10th of every month
  • Minimum monthly payment is 1.5% of outstanding balance, or $25, whichever is more
  • Payment made by check or AutoPay.
  • No annual fee, transaction fee, balance transfer fee or cash advance fee
  • $1 million in free travel insurance
  • Fraud Protection
  • Access to Card Controls
  • Limited liability for unauthorized use
  • Auto Rental Insurance
  • Warranty Manager
  • Free travel and emergency assistance
  • For more information regarding UECU home equity products including our Flex HELOC (Home Equity Line of Credit), please Click Here

Mailing Address for Visa Payments:
Utilities Employees Credit Union
Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702

* Please note this address is for Visa payments only.