VISA Titanium

VISA Titanium

This is simply a great all-around card for those who need maximum spending power. It's loaded with exciting extras that complement its convenience and affordability - all at no additional cost!

  • Premium Benefits
  • Credit Line Up To $30,000*
  • My Rewards for every dollar you spend
  • No Application or Membership Fees
  • No Balance Transfer Fees or Annual Fees
  • Price protection for purchases
  • Optional Credit Protection
  • Concierge Services
  • Travel and emergency assistance and roadside dispatch
  • Online Bill Payments and Account Access in eBanking

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

VISA Platinum

VISA Titanium

Use your Platinum VISA card and it will pay you for every dollar you spend while providing convenient Essential FCU credit card features - including a 25-day grace period on purchases and the ability to view your monthly statements online with eStatements.

  • Premium Benefits
  • Credit Line Up to $15,000*
  • My Rewards for every dollar you spend
  • No Application or Membership Fees
  • No Balance Transfer Fees or Annual Fees
  • Optional Credit Protection
  • Online Bill Payments and Account Access in eBanking

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

VISA Share Secured

VISA Titanium

Establish or rebuild your credit with a VISA Share Secured card.  You choose your credit limit by simply securing your credit card with a deposit into an interest bearing CD or Savings Account.  Open a Visa Share Secured card and watch your credit score climb!

  • No annual fee
  • FIXED low rate
  • You select your credit limit
  • No Application or Membership Fees
  • No Balance Transfer Fees or Annual Fees
  • Reports to all 3 major credit bureau's monthly

Click here for more VISA Enhancements

GET STARTED TODAY, contact us at 1.888.369.2207, visit one of our Branches or apply online.

Click Here to Apply Now!

 

Essential FCU also offers these great features:

 

When traveling please remember to notify Essential FCU to prevent unnecessary blocks on your card. Certain transactions may be blocked due to behavior conflicts on your card, this is for your security. Notifying Essential FCU will make using your VISA Card easier so you can enjoy your traveling experience.  For Visa Global Emergency Assistance, please click here.

Smart Chip Card FAQs

* Normal credit restrictions apply. Other restrictions may apply, please see a Essential FCU Representative for details. Please note: Once approved, you will receive a cardholder agreement that gives you the details of your VISA account.

Credit Cards - Loans - Essential Federal Credit Union

Essential Federal Credit Union is a local credit union that offers access to credit cards in Baton Rouge. Want to apply for a credit card? We can help!