Introducing Maine’s First No-Annual-Fee Visa Card

PeoplesChoice Credit Card VISA with numbers, name and expiration date

At PeoplesChoice, we offer Maine’s first no fee Visa. That’s right - Zip. Zero. Zilch.

We are happy to offer an amazing 6 Month introductory rate of 2.99% for all purchases.

It gets better: transfer your balance from your existing card and enjoy 2.99% APR for the first 12 billing cycles! Moreover, our Platinum Preferred Visa Rewards Program entitles you to free gifts and travel. 

There are many great benefits to The Peopleschoice Platinum Preferred VISA. Use it all over the world, online and in favorite retailers with the knowledge that VISA takes a comprehensive approach to security that relies on multiple layers of technology, analytics and industry leading practices to help protect your payments. 

Because our card program was in place before the new regulations were conceived, our members save over $250,000 annually by avoiding the penalty fees of big credit card issuers! And our Visa is locally serviced. If you have questions, we have answers – without the hassle, without the wait.


Click here to apply for credit card!



 Compare PeoplesChoice to Other Southern Maine Banks  



PeoplesChoice Visa

Bank Credit Card

Purchase APR*

As low as 9.9% fixed up to 29.99% Variable
Cash Advance Fee** $0 up to $500
Balance Transfer Fee** $0 up to $300
Annual Fee $0 up to $100
Late Fees $0 $39
Minimum Payment 2% of balance

up to 4% of balance

Foreign Purchase Transaction 
Fee mark-up†


*Guaranteed fixed rate valid until December 31, 2020.   **Based on $10,000 advance, transfer or transaction   
1% for advance, transfer, or transaction less than $10,000

Note: Bank Visa rates and fees are based on information from the Federal Reserve. Average credit card interest rate from PeoplesChoice is not responsible for errors or misrepresentations in this information.

To report a lost or stolen VISA Credit Card please call 1-800-991-4961.

Use SecurLOCK to protect your Credit Card purchases! 

What is SecurLOCK™ Equip?

SecurLOCK Equip is a new mobile app that allows you to control how, when and where your PCU credit card is used. It is a simple and secure way to manage and monitor your payment transaction activity. SecurLOCK Equip can help keep your payment cards safe and provide instant notifications whenever your card is used.

  • Turn your card on and off- If you think you lost your card, you can go in the APP and turn your card off until you find it.  This way if the card is found by someone , it can’t be used!  This is perfect for when we are closed.
  • Set dollar amount alerts- You can set your card to only accept transactions for under/over a certain dollar amount. Example: If you never make transactions over $100, you can set an alert to decline anything over $100.  If a transactions is ever attempted over the dollar amount you set, you will be alerted and it will be declined.
  • Set location alertsYou can set your card to only work in certain geographical locations.  Ex: Set it to only work within a 50 miles radius of Saco, or if you are on vacation set it to only work in the location you are traveling to so if it’s attempted in any location other than what you set, it will alert you.
  • Set merchant type alertsSet your card to only work at certain types of merchants. Ex: grocery stores, online, fast food restaurants.  If you set those alerts and it is used at Target, since that is a department store, it will alert you.
Go to the App Store and download the app today!

Click here, call 1-877-785-6328 or come in to any of our four convenient branches and become a member today!


PCU VISA ScoreCard® Rewards

Earn valuable reward points everytime you use your PCU VISA card! You do so much for others - now it's time do something for yourself with ScoreCard Rewards. Electronics. Merchandise. Flights, Hotels & Cars. Redeem Your Points Today.

Learn More about VISA ScoreCard® Rewards - Click Here



Click here to become a member!