Over the years, Mocse has had a tradition of offering quality service and great products to our members. We are committed to our members' financial well being by offering true savings with our low rate, non-variable, VISA Credit Card.


You'll spend less on fees and finance charges and more on the things that are important to you. Whether you're paying off higher rate credit cards, taking a dream vacation or doing some home improvements, our Mocse VISA Credit Card can provide you with the flexibility you want. Plus the added benefit of uChoose Rewards!

  • Interest rates range between 12.90% and 17.90% APR (Interest rates are not variable and not tied to any specific index)
  • Credit limits up to $30,000.00
  • No Annual Fee
  • No Cash Advance Fee
  • No Balance Transfer Fee
  • Purchase Security / Extended Protection
  • Auto Rental Collision Insurance
  • 25-day grace period on purchases*
  • Minimum payment $25 or 3% of the outstanding balance, plus any over limit or delinquent amounts
  • Optional Debt Cancelation Insurance

* To qualify for a grace period for purchases, the previous statements' entire new balance must have been paid in full on or before the due date.

View the entire Visa Application & Solicitation Disclosure

uChoose Rewards

uChoose Rewards is a rewards program that earns you points every time you use your Mocse Visa Credit Card. You can also earn additional points for shopping at participating retailers with your card. Redeem your points for any reward of your choice from a vast online catalog. It's your choice! You can choose from millions of options like merchandise, travel experiences and activities, event tickets, merchant gift cards, and more.

Register your Mocse Visa Credit Card at www.uChooseRewards.com today!

For more information you can view the uChoose Rewards Video Tutorial on this page.

VISA Purchase Alerts

Visa Purchase Alerts

Why is this important?

VISA Purchase Alerts can keep your account secure by empowering you to catch fraud.

Just 3 easy steps to get started:

  1. Check to make sure your card is eligible3 (check your eligibility).

  2. Register your mobile device and email to receive VISA Purchase Alerts.

  3. Choose the notification triggers that match your needs. You'll get real-time1 text or email alerts based on your selected criteria.

Let's work together to keep your account secure.

Start receiving alerts today!

  1. Actual time to receive a transaction alert is dependent on wireless service and coverage within area.

  2. A qualified transaction is any transaction routed through VISA.

  3. VISA Purchase Alerts may not be available in all areas. Account activity qualifying for VISA Purchase Alerts may vary by issuer.


Apple Pay

AP Visa webpage


Traveling Out of the Area?

If you plan to travel out of the area, remember to notify the credit union through Online Banking under Settings and then Security & Alerts. Or call our Member Services Department at (209) 572-3600 or 800-44-Mocse to alert them of your travel plans. Steps will be taken to ensure that you have continued access to your Visa Credit Card while you are out of the area.

Additional Information

  • For lost or stolen VISA Credit and Debit cards while in the U.S. after hours, please call: (209) 572-3600 or (800) 44-Mocse

  • To activate a VISA credit card, please call: (800) 543-5073

  • To activate a VISA Debit card or ATM card, please call: (800) 466-0040


Interest Rates

Visa Credit Card

Fixed Interest Rate
12.90% - 17.90% APR

* Actual interest rate will be provided upon approval of a completed Visa® application