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Build your business with some of the most competitive rates around

Key Features

  • Competitive interest rates
  • More affordable than a payday loan
  • Local business rewards program
  • No annual fee



image of FCCU's Visa Platinum credit card, card background is blue with a grey swoop over top

Visa® Platinum

image of FCCU's Visa Classic credit card, card background is white with multiple overlapping rounde shapes in various shades of blue and green

Visa® Classic

Interest Rate

Prime Rate + 3.99% APR1

As low as 11.90% APR2

Core Benefits

1% cash back on all purchases

No cash back on cash advances or balance transfers.

Low interest rate

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Surcharge-Free ATMs

Withdraw money from over 42,000 surcharge-free ATMs on participating ATM networks nationwide

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Buy Local Spend Local

A local business rewards program where your debit or credit card purchase from participating businesses could be reimbursed

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Mobile Wallet

Pay with your phone by connecting your FCCU debit or credit card to Google Pay, Apple Pay, or Samsung Pay

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Toggle On/Off

Lose or misplace your debit card? Toggle your card on and off within online and mobile banking


Annual Fee



Minimum Finance Charge



Transaction Fee for Purchases



Balance Transfer Fee



Over-Credit-Limit Fee



Late Payment Fee


APR changes to Prime Rate + 8% if payment is 60 days past due. Requires minimum Empirica credit score of 680+.


Grace Period for Purchases

25 Days

25 Days

Method of Computing Balance for Purchases

Average daily balance

(including new purchases)

Average daily balance

(including new purchases)

Need to report your credit card lost or stolen?

Call 1-(800) 654-7728.

Traveling soon?

To protect your account, transactions on your credit card are monitored for suspicious activity— including locations that vary from your normal purchasing areas. To avoid declined transactions while traveling, please complete a Member Travel Notice or give us a call at (920) 563-7305 to let us know.

Make a Credit Card Payment


The Consumer Financial Protection Bureau loosely defines a payday loan as a “high cost loan, generally for $500 or less, that is typically due on your next payday.” Payday lenders often operate from convenient storefronts, whose lobbies mimic the look and feel of a fast-food restaurant, touting low to no credit requirements and quick payouts.

Many states have outlawed payday lending, as it is widely considered to be predatory. However, payday lending remains legal in Wisconsin, with some loans reaching up to 574% APR* (yes, you read that right) according to (*APR is Annual Percentage Rate).

Historically, credit unions like FCCU have been a great alternative to payday lenders, offering small dollar loans at reasonable rates with relatively quick payouts for members with low to no credit— All the benefits of a payday loan with the backing of a trusted loan team who want to put you in a better financial position than when they met you.

Meet our Consumer Loan Team Meet our Business Loan Team


Worried about getting charged a fee for using an ATM? Worry no more! We’ve partnered with the Alliance One and MoneyPass® ATM networks to bring you access to over 42,000 surcharge-free ATMs nationwide.

To locate a surcharge-free ATM near you, check out the links below:

Alliance One


[1] APR is Annual Percentage Rate. The rate for our Visa® Platinum Credit Card is a variable rate based on the Prime Rate + 3.99%.

[2] APR is Annual Percentage Rate. The monthly periodic rate for our Visa® Classic program for purchases and cash advances is 0.7416% - 1.1633%, which is an APR of 11.9% - 16.96%. Actual rate is based on multiple criteria, including, but not limited to, credit-worthiness factors, current market conditions, and other factors that the credit union, in its discretion, believes are relevant in determining the appropriate APR.