Credit Cards
VISA® Credit Cards
Lost / Stolen Cards: 855-251-1775
Low fixed rate
Can be used anywhere VISA® cards are accepted
Credit limits up to $20,000.00
No cash advance fees, no balance transfer fees, and no annual fees
Classic and Gold earn $1.00 reward dollar for every $2.00 dollars you spend*
Credit problems? Let us help with a share-secured VISA® – no credit check
College Students - submit proof of income and apply for up to $1,000 Student VISA® - credit underwriting will apply.
*Members must enroll the card to begin earning points; Share-Secured and Student VISA® cards are not eligible for rewards points
Rates and Fees
| Interest Rates and Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases | 6.90% - 17.99% |
| APR for Balance Transfers | 6.90% - 17.99% |
| APR for Cash Advances | 6.90% - 17.99% |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases if You pay Your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Minimum Interest Charge | If You are charged interest, the charge wil be no less than $1.00 |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
| Fees | |
| Setup and Maintenance Fees Application Fee |
$10.00 - Gold & Classic; No application fee - Share Secured or Student |
| Transaction Fees Foreign Transaction Fee |
1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars |
| Penalty Fees Late Payment Fee Returned Payment Fee |
Up to $25.00 Up to $38.00 |