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Add spending flexibility to your business with the power of Visa®.

Key Features

  • Competitive Rates
  • Anytime Funds
  • No Annual Fees
  • Local Service

Seize opportunities as they arise — a Visa credit card can help ensure your business is ready for anything. We offer a variety of choices for credit cards, because every business is unique. Take a look at the options below, and choose the card that's best for your business.

Applying online is easy, and we will strive to give you an answer as quickly as possible.

VISA Platinum

Classic VISA

Annual Percentage Rate (APR*) for Purchases and Advances

Prime Rate Plus 3.99% APR*

As low as 8.9% APR*

Other Fees 

Prime Plus 3.99%* Cash Advance Fee or $3 whichever is greater

None

Additional Features

1% Cash Back on ALL Purchases
(Not on cash advances or balance transfers)

None

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)

Annual Fee

None

None

Minimum Finance Charge

None

None

Transaction Fee for Purchases

None

None

Balance Transfer Fee

None

None

Over-Credit-Limit Fee 

None

None

Late Payment Fee

$10.00

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

$10.00

Plan on traveling with your card?

Complete the Member Travel Notification Form to let us know, and ensure your card will work during your travels.

Credit card payment address:

VISA/Mastercard
P.O. Box 660348
Dallas, TX 75266-0348

Payments may also be made through online banking or at any of our convenient locations.

*APR is ANNUAL PERCENTAGE RATE. The rate for our Cash Back Platinum VISA is a variable rate based on the Prime Rate plus 3.99%.

**APR is ANNUAL PERCENTAGE RATE. The monthly periodic rate for our VISA program for purchases and cash advances is 0.7416% - 1.1633%, which is an ANNUAL PERCENTAGE RATE of 8.9% - 13.96%. 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.