VISA Credit Cards

Our Sky VISA Card has NO ANNUAL FEE. Save money by transferring the balances from other high-rate credit cards. With a VISA specialist on staff, we can answer your questions locally.  You can also make your payments by mail, online, or by stopping by any of our three local branches.

Your VISA card is now protected with Verified by VISA.  This is a password that protects your card for free when you shop online. The next time you shop at participating online stores, you’ll see some new screens. Enter the information required to activate your card in order to complete your transaction. It only takes a moment, and then your card will have password protection whenever you shop online.

Please call for more information or to apply for your new Sky VISA.

Toll-free: 800-445-3328

Shop online with greater security at >participating stores.

How do I activate my card?


You will need to call 1-800-411-6390 (1-206-352-3477 Outside the US and Canada) to activate your debit card. For security reasons, your card cannot be used until you make this call. This service is available to you 24 hours a day, 7 days a week. You will need the following information to complete verification:

For Credit Cards:

Last 4 digits of the cardholder’s Social Security Number
Date of Birth for the cardholder

How do I change my Personal Identification Number (PIN)?


You can customize your PIN number by calling 1-877-746-6746. This service is also available to you 24 hours a day, 7 days a week.

What do I do if my card is Lost or Stolen?


Report Lost or Stolen cards immediately by calling us at 1-800-445-3328 or the card lost or stolen service at 1-800-682-6075 (1-206-352-3482 Outside the US and Canada) or by going to the website > This service is available to you 24 hours a day, 7 days a week.


In addition to the Fraud Center monitoring all Sky FCU cardholders are able to signup for smsGuardian™.

For Your Peace of Mind – Text Alert Fraud Prevention

We’re looking out for you! Sign up for our new smsGuardian™ service and you’ll receive text messages regarding activity on your credit and debit cards. If you receive a text about a transaction that you think is fraudulent, you can reply immediately and your card will be blocked from further criminal activity.

Feeling safer already? Give smsGuardian a try. You can enroll any Sky Federal Credit Union cards in this service. You may choose to receive text alerts on a single cell phone or tablet, or up to ten different devices. Visit our enrollment website at to register your credit/debit cards and mobile devices.

Here’s an example of what the service looks like in action. You might receive a text message similar to this:

Guardian Alert on card 12341 at XYZ Store2 for $500.003. Reply AA1234NO if unauthorized. Reply STOP to cancel alerts.

  1. This will be the last four digits of your card number
  2. This will be name of the merchant
  3. This will be the purchase amount

If you receive this message and you know the purchase is legitimate, you don’t need to do anything. If you think that it’s fraud, you reply “AA1234NO” and your card will be blocked. You can choose to cancel this service at any time by replying with the message “STOP.”

It’s pretty easy, and very reassuring. Visit our enrollment site today and start enjoying some peace of mind.

A few details –

  • Enrollments will be good for a period of one year. You will be notified prior to expiration of your Guardian account and may text a reply to renew.
  • Changing your mobile service provider may require you to re-enroll your mobile device.
  • The cell phone or mobile device must have the ability to send and receive text messages and the use of “short codes” must not be blocked. Short codes are special telephone numbers, often five digits long, which are used to send text messages from mobile phones.
  • You are responsible for any text messaging fees from your phone or tablet service carrier.
Federally Insured by NCUA