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Build your business with some of the most competitive rates around

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image of FCCU Visa Platinum credit card

Visa® Platinum

image of FCCU Visa Classic credit card

Visa® Classic

Interest Rate

12.49% APR2

Prime Rate + 3.99%; Rate will never exceed 18.00%

11.9% - 16.96% APR3

Key Feature

1% cash back on all purchases

No cash back on cash advances or balance transfers

Low interest rate

Annual Fee

None

None

Balance Transfer Fee

None

None

Cash Advance Fee

None

None

APR is Annual Percentage Rate.
What Is the Prime Rate and Why Does It Matter?

Secured Credit Card

Do you have a low credit score or no credit score? A secured credit card is a great option to help you build your credit while avoiding predatory loan alternatives.

A secured credit card is a type of credit card that requires a cash security deposit. Your credit limit is determined by the amount you deposit up-front. For example, if you put down a $1,000 deposit, your credit card limit will be $1,000. You can increase your limit by requesting a limit increase and depositing additional funds.

For additional card details and benefits, reference the Visa® Classic credit card in the table above.


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

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Why choose FCCU over a payday lender?

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% Annual Percentage Rate (yes, you read that right) according to USStatesLoans.org.

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.

white icon of a credit card

Credit Card

white icon of a dollar sign with arrows circled around it

Kwik Cash Line of Credit

white icon of a hand holding dollar bills

Personal Loan

Best if you...

Need access to funds, up to a predetermined limit, when buying online or at the store

Need access to cash funds of $100 or more at your convenience

Need a one-time cash deposit of $1,000 or more

Brief Description

A credit card is a revolving line of credit, meaning that you can draw funds from it as long as it remains open.

A Kwik Cash is a revolving line of credit, meaning that you can draw funds from it as long as it remains open.

A personal loan, or installment loan, is a fixed amount of cash borrowed, deposited as a lump sum, and repaid over a set period of time.

Minimum Loan Amount

None

$100

$1,000

Access to Funds

You can make a purchase by swiping your card or entering card information online at any time.

You can withdraw funds at any time via online & mobile banking, by phone, or in-branch.

Your loan officer will either deposit the funds into your account or write out a cashier’s check with the full amount.

If you apply for a loan with Quilo™ (for loans up to $25,000), approved funds will be deposited within 24 hours.

Repayment Terms

Your monthly payment is calculated based on the amount you’ve spent plus the remaining balance from previous months (AKA outstanding balance).

Interest is accrued on the outstanding balance. You can pay the balance in full, instead of just the minimum payment due, to avoid interest entirely.

See our fee schedule and your loan paperwork for any fees, like late fees, that could occur.

Your monthly payment is calculated based on the amount you’ve drawn from it plus the remaining balance from previous months (AKA outstanding balance).

Payments are 5% of the outstanding balance, or $15, whichever is more, and recalculated each time a draw is taken. All Kwik Cash payments are due on the 28th of the month.

See your loan paperwork for any fees, like late fees, that could occur.

You will make fixed, equal monthly payments based on the duration of the loan.

Interest accrues at a rate based on your credit score and the term of the loan. You pay interest and principal with each contracted monthly payment (pre-payment is allowed).

See your loan paperwork for any fees, like late fees, that could occur.

Sound like a great financing option for you?

Learn More

Learn More

Learn More

[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.