VISA Credit Cards

VISA® Classic and VISA® Gold Credit Cards


New Horizons Credit Union offers a credit card program designed to help our members save with an affordable interest rate, no balance transfer fees, and no annual fees.

Plus, if you already have one of our credit cards, you may be interested in learning more about and signing up for ALERT NOTIFICATIONS on card activity by clicking here .

If you do not have one of our credit cards, information below outlines some features and benefits of our credit card program.

Visa Gold Card

NEW HORIZONS CREDIT UNION VISA® GOLD

Low 8.90% APR*

New Horizons Visa Gold Credit Card

  • 25 Day Grace Period
  • No Annual Fee or balance transfer fees
  • Same 8.90% APR* for Cash Advances
  • VISA® Gold-Starts with a minimum credit line of $5,000.
  • Credit Union (CU) Rewards Program (Earn a bonus point for each dollar you spend. Points redeemable for gifts or travel through www.curewards.com)

Click to view or make payment to your Visa Account

You can also take advantage of:

  • Extra Warranty Coverage - Double the manufacturer´s warranty on most products purchased with a New Horizons Credit Union VISA® Gold.
  • Auto Rental Insurance - Save up to $14 a day on most car rentals with collision coverage.
  • Travel & Emergency Assistance - Travel Assistance; Medical or Legal Referral; Emergency Cash or Card replacement.

Apply Now

Visa Classic Card

NEW HORIZONS CREDIT UNION VISA® CLASSIC

Low 10.50% APR*

  • 25 Day Grace PeriodNew Horizons Classic Visa Credit Card
  • No Annual Fee or balance transfer fees
  • Same 10.50% APR* for Cash Advances
  • Credit Union (CU) Rewards Program (Earn a bonus point for each dollar you spend. Points redeemable for gifts or travel through www.curewards.com)


Click to view or make payment to your Visa Account

Apply Now


New Horizons Visa Card

NEW WAVE SAVERS VISA® CLASSIC

Low 10.50% APR* fixed rate

This credit card/loan program is ideal for responsible New Horizons Credit Union members currently attending high school, who are at least legal adult age or college students, under the New Horizons Classic Visa Credit Card age of 22 with a desire to establish credit and/or a need for a low limit credit card for special purposes and still earn rewards with qualifying purchases as our regular Visa Classic program.

  • No Annual Fee or Balance Transfer Fee
  • If the applicant is under the age of 19, an adult guarantor must co-sign
  • Both with a source of sufficient income to repay the loan/make on-time payments to the credit card
  • Applicants must be working for at least the last six months and be at least a high school junior
  • Same 10.50% APR* for Cash Advances
  • Maximum amount is $500 for members under 19, and $1,000 for members over 19
  • For amounts greater than $1,000, or without six months employment, a co-signer is required

Click to view or make payment to your Visa Account

Apply Now


For Loan Disputes and Inquiries, please write to:

New Horizons Credit Union - Disputes & Inquiries

P. O. Box 1785, Mobile, AL 36633

or Call Toll-Free 1-800-824-3610 for assistance.


Introducing Verified by VISA®
Verified By VISA

Password-protect your VISA® credit card for added safety online A new way to add safety when you buy online. Protect your existing VISA® card by creating a personal password. VERIFIED BY VISA® helps ensure that only you can use your VISA® credit card to buy online*.Register today! It takes just a few minutes to activate. To activate your card now click here or on the Verified by VISA® button.