VISA

Young couple out shopping with the debit card

VISA Credit Card with Rewards

The VISA with the Best Rate and REWARDS!

We’re all using our VISA cards these days more than ever before. Why not? Their convenient and everyone accepts them. Everyone frowns at a check and everyone smiles at a VISA payment.

Not All Cards are Created Equal

Our Utah Heritage Credit Union VISA card was designed by us for us. We use the card because it’s the best card in the area. It’s a local card for us locals! If you don’t believe us, pull out the fine print on your National VISA card and compare. You’ll be shocked.

The Benefits and the Rewards!

  • Local card with the VISA’s worldwide acceptance.
  • 25 day payment grace period.
  • Same low rate for everyone!
  • Currently 10.24% APR! 
  • No cash advance fees.
  • No transfer fees.
  • No surprises!
  • PLUS Rewards! (See our ScoreCARD Reward Program below.)

Report a Lost or Stolen VISA Card

During Business Hours:

435-436-8288 or
888-295-UHCU(8428)

After Business Hours:

800-991-4965

Online loan application button
ScoreCard Rewards title in blue.

Reward Yourself!

Great Merchandise and Travel Rewards with ScoreCard Rewards!

Every time you use your VISA Credit Card you’ll earn 1 score point for each qualifying net dollar you spend! At ScoreCard Rewards you can use your reward points for travel and rewards. (Even if you don’t have enough points, you can use the points you have as a down payment and just pay the difference). Since many of us are putting the majority of our purchases on a VISA Credit Card these days, the points really add up fast. You can easily put $500 or more on a credit card each month and for as little as 10,000 – 15,000 points you can get a free airfare. (Isn’t it about time for a vacation?) It’s a nice way to reward yourself!

How it Works

Create your account with Scorecards. You can then log into your reward account. Once your account is created, you can view your reward balance, search and view all available redemption options and more!

VISA logo over sun and rays.

VISA Debit Card

The Convenience of a VISA Debit Card!

A Utah Heritage Credit Union VISA Debit Card may look like a credit card, but it acts like a check! Your purchases are deducted right from your checking account and detailed on your monthly credit union statement! No fancy record keeping is required!

And this card does double duty as an ATM card! Use it to withdraw cash from your credit union checking account at thousands of ATMs worldwide! We’re members of the credit union “Coop Network,” so there is never a surcharge for ATM withdrawals at nearly 30,000 credit union ATMs nationwide.

So, when you need cash in a flash, to pay for gas, groceries, dinner, sales at the mall, or anything at all… do it the fast, easy way with your Utah Heritage VISA Debit Card!

Report a Lost or Stolen VISA Card

During Business Hours: 435-436-8288 or 888-295-UHCU(8428)

After Business Hours: 800-991-4965

Online loan application button
Overdraft Protection on a blue computer screen

Save Yourself a Lot of Hassle!

Protect Yourself from Overdraft Fees

There are several ways to protect yourself on those rare occasions that you run short of funds in your checking account. You can set up a line of credit or a transfer from one of your checking accounts. Protect yourself from NSF (non sufficient funds) fees by setting up “overdraft protection” today!

Opt In Today for Debit Card Protection

It’s hard to imagine living without the convenience of debit cards. They make it easier than ever to make purchases and pay bills. They may also make it more likely that you may inadvertently overdraw your account, resulting in fees and embarrassment. That’s why we offer overdraft protection on everyday debit card purchases and ATM transactions. But you must opt-in.

Why Opt In?

Utah Heritage Credit Union’s overdraft protection is designed with your protection and convenience in mind. Most people will never overdraw their account. But life doesn’t always go as planned and overdrafts do occur. Without overdraft protection, your ATM and everyday debit card transactions may be declined if you attempt to make a transaction without sufficient funds.

Save yourself additional fees and embarrassment by opting-in for Utah Heritage Credit Union’s Overdraft Protection.

How to Opt In?

  • Visit any of our four branch offices to complete & sign form
  • Call us at 435-436-8288, and we will mail you an Opt In form

Note: The opt-in rule applies only to ATM and everyday debit card transactions and does not pertain to overdraft protection services associated with written checks or recurring debit transactions, such as regularly scheduled bill payments.

Verified by VISA logo

VISA Secure

Make your online purchase securely!

VISA is a global leader in transaction security and is doing more and more to promote cardholder confidence with “online” purchases with VISA Secure.

What is it?

VISA Secure is a global solution for making e-commerce transactions more secure by helping to ensure that the rightful owner of the VISA account initiates the transaction, stopping fraudulent purchases before they occur. VISA Secure builds consumer confidence in online shopping similar to the physical shopping environment.

For cardholders, VISA Secure creates trust with shopping online.

How does it work?

When shopping online, when possible, make your purchase at a participating merchant website. VISA Secure authenticates the transaction in these easy steps.

  1. At checkout, the cardholder enters his or her VISA account details.
  2. The merchant sends the authentication request to the issuer.
  3. The issuer authenticates the cardholder using its preferred authentication method.
  4. The issuer replies to the merchant with the authentication outcome.
  5. The merchant submits the transaction for authorization and includes a flag indicating the cardholder authentication outcome

Try It!

Since I haven’t used “Visa Secure” I tried it.

  1. I went to https://secure.checkout.visa.com/ and created an account by adding my e-mail and a password.
  2. I then added my Credit Union VISA Credit Card Number.
  3. I shopped at various store through https://www.visaonline.com/login
  4. When I paid, I used the VISA Checkout button
  5. VISA most likely, has already weeded out companies that aren’t secure.  I didn’t have to re-enter my VISA number and I spent some money by clicking the “VISA Checkout” button…securely this time.

VISA Checkout

There is a lot of VISA fraud these day, this is one smart way to avoid being a victim.

But You Must Register

To register your VISA card, visit the “VISA Secure” web site and complete the simple steps to activate your password. Then enjoy the peace of mind that comes with VISA Secure (formerly Verified by VISA).

Next Steps

woman smiling holding up visa gift card

VISA Gift Cards

Make Everyone Happy…including Yourself!

There are so many occasions when giving a gift is the appropriate, nice and sometimes necessary thing to do. For those of us who hate to shop for those friends and family that are “hard to shop for,” a VISA gift card is the perfect choice.

VISA Gift Cards can be purchased at any of our branches.

VISA Gift Card ad