Dow Chemical Employees’ Credit Union


Visa® Credit Cards

"The Cards that Really Reward You"
DCECU is pleased to introduce two new Visa credit card programs to our members – available now. These two new programs cater to both kinds of credit card users. Members that carry a balance and desire our lowest interest rate may prefer our NEW! Low Rate Visa. Our NEW! Rewards Visa is be the perfect choice for members that enjoy a robust rewards/points program.


You will appreciate the great features of our new Rewards Visa and our Low Rate Visa.

Features Rewards Visa Low Rate Visa
No annual fee
Minimum credit line $2500 $2500
Annual Percentage Rate (APR) %1 (Variable) %
Chip-Enabled EMV Security
Eligible for Year-End Loan Interest Rebate2
Visa Zero Liability Protection
True 25-day interest-free grace period
Convenient account access through Online Banking
Free Travel Accident Insurance
Free auto rental insurance

Don’t miss out! APPLY NOW for a new DCECU Visa credit card and you’ll be the first to enjoy the benefits of these new programs.

Looking for details regarding your existing Legacy Visa (formerly known as Classic, Gold or Platinum)? Please see our Visa Disclosures page.

1. Wall Street Journal Prime Rate + 6.00%
2. Please note that while the Year-End Interest Rebate occurs with great regularity, this credit union benefit is not guaranteed.

back to topHow to Use Your New EMV, Chip-Enabled Visa Credit Card

back to topTake Charge Visa®

The credit card for youth
DCECU believes in educating younger members about the wise use of credit. Our Take Charge Visa credit card allows parents to control the credit limit, but gives kids the opportunity to have their own credit cards, build personal credit histories and receive their own statements.

back to topPayment Mailing Address

P.O. Box 37603
Philadelphia PA 19101-0603

back to top2015 Statement Closing Date Calendar

Jan. 21 2015 Feb. 18, 2015 Mar. 22, 2015 Apr. 20, 2015 May 22, 2015 Jun. 21, 2015
Jul. 22, 2015 Aug. 21, 2015 Sep. 21, 2015 Oct. 22, 2015 Nov. 20, 2015 Dec. 22, 2015

* Payments are due on the 16th of every month. (25 days after statement closing date)

back to topLoan Interest Rebate

If you generally carry a balance on your credit cards, you may find that the potential year-end Loan Interest Rebate option may really benefit you! All cardholders with a Low Rate Visa or the Rewards Visa are eligible for the potential year-end Loan Interest Rebate as a feature of their card program.

Legacy Visa (formerly known as Classic, Gold, or Platinum) cardholders may select from either the potential year-end Loan Interest Rebate enhancement option or the YourRewards points enhancement option.

Please note that while year-end rebates occur with great regularity, this credit union benefit is not guaranteed.

back to topYourRewards

Rewards Visa and Legacy Visa (formerly known as Classic, Gold, or Platinum) Enhancement Option
For every dollar you spend using your DCECU Rewards Visa or Legacy Visa with the YourRewards Enhancement Option card you earn one YourRewards point. Use your YourRewards enabled card for all purchases and watch how quickly the points add up! Points can be redeemed for brand-name merchandise, music, travel and more (minimum of 2,500 points needed to redeem merchandise). Click here to access your YourRewards account.

1 YourRewards Point = $1.00 Net Retail Purchase

YourRewards points are based on your net retail sales which exclude cash advances, balance transfers, convenience checks and returned purchases.

YourRewards Points expire in five years if unredeemed. Points are utilized on a first in - first out basis.

YourRewards Statements are produced quarterly. You will receive your statements in January, April, July and October.

If you have any other questions please contact any of the following numbers for assistance:
YourRewards Hotline: 1-844-7REWARDS (1-844-773-9273)
DCECU Visa Department: (989) 835-7794 or (800) 835-7794.

back to topSpecial Offers and Discounts for Visa® Cardholders

Be a savvy shopper

Click the banner above to enjoy a wide assortment of deals exclusive to Visa Cardholders from some of the best brands in America.

back to topFraud Protection

DCECU has a variety of mechanisms in place to protect members from fraud and loss*:

Zero Liability

Ensures you won’t have to pay for unauthorized purchases. With replacement funds, we’ll return any funds lost from your account due to fraudulent use.

EMV, Chip-Enabled Visa Credit Card

EMV Chip technology is a more secure way to pay with a Visa credit card for purchases made in-store with retailers using EMV Chip-enabled card readers. EMV Chip technology generates a unique one-time code, a feature that is virtually impossible to replicate by counterfeit cards. This will help eliminate in-store fraud.

Verified by Visa

Offers additional password protection at select merchants to help make sure you’re the only one who can use your card online. For more information, please see Verified by Visa

3-digit security code

Adds even greater protection when shopping online or over-the-phone.

ID Theft Assistance

Provides access to counseling services at no additional cost to help resolve any ID theft issues.

Fraud Monitoring

The Falcon neural network, a fraud prevention/risk management tool, is currently in place for all DCECU cards. This system detects potential fraud using cardholder, transaction, and merchant data. Falcon uses a model of national fraud patterns with the individual cardholder’s pattern (which changes on a daily basis) to determine the likelihood that a transaction is fraudulent. Discrepant transactions that occur outside the typical cardholder profile may then be pursued to prevent loss. Accounts are monitored by the Falcon system 24 hours a day; however, verification calls to cardholders are made between 8 a.m. and 9 p.m. only (according to the cardholder’s time zone), in order to minimize cardholder inconvenience. Cardholders who live overseas are not contacted by Falcon; instead, a report is faxed to the Credit Union.

It is possible that you may receive a phone call from Falcon concerning recent transactions on your account. Falcon representatives will never ask a member to provide their full card number unless the member needs to call back for some reason. They may ask to verify the last 4 digits of the primary member’s social security number, or mother’s maiden name, to ensure they are confirming recent transactions with the correct person. Falcon representatives will NOT talk to anyone other than the cardholder. This is for security reasons. At any time if you feel the call may be suspicious, please contact the Credit Union right away.

For more information about Visa security, visit

*Covers U.S.-issued cards only. Visa’s Zero Liability policy does not apply to ATM transactions or PIN transactions not processed by Visa® and certain commercial card transactions. Cardholder must notify issuer promptly of any unauthorized use. Verified by Visa requires online activation and is for use only at participating online merchants. Identity Theft Assistance offers access to a toll-free number.

Lost or Stolen Visa® Credit Cards
727.299.2449 from outside the U.S.

back to topVisa® Gift Cards

Come to DCECU for the perfect gift ~ Visa Gift Cards!

Visa Gift Cards are welcome anywhere* Visa Debit Cards are accepted. You choose the amount and the recipient decides what to purchase with the card. It's that simple. Other than the load amount on the card, the price is $3.00 when purchased at the teller window and slightly more, to cover shipping and handling, when purchased online. For more information or to purchase your Visa Gift Cards, stop by our office or visit

* Visa Gift Cards can not be used for cash advances or ATM transactions. Please review the Frequently Asked Questions and the Terms and Conditions (located at for additional information on the card and guidance on its use. Contact the card issuer at 1-866-244-5360 for details on any applicable fees associated with international use.


Online Banking

After logging in, go to
"Loans" and click
"Consumer Loan Request"