We dare you to compare your current credit cards to our credit cards …we're confident you'll switch to ours. We offer more choices for credit cards, because one size doesn't fit all! Take a look at your options below and pick the card that best suits your needs.
Applying online is easy, and we will strive to give you an answer as quickly as possible.
Plan on traveling with your Debit Card? Complete the Member Travel Notification Form to let us know - and ensure your card will work during your travels!
Whether you are a Samsung user or an Apple user, we have both forms of mobile payments available for our members.
Samsung users - Click Here for more info.
Apple users - Click Here for more info.
Maybe you don't have a credit score yet, or you don't have a co-signer, this card could be your answer! Click on the tab below to learn more.
|VISA Platinum||Classic VISA|
|More Choices.. because one size doesn't fit all!|
|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|
|Additional Features||1% Cash Back on ALL Purchases
(Not on cash advances or balance transfers)
|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)|
|Minimum Finance Charge||None||None|
|Transaction Fee for Purchases||None||None|
|Balance Transfer Fee||None||None|
|Late Payment Fee||$10.00||$10.00|
|APR changes to Prime Rate Plus 8% if payment is 60 days past due. Requires minimum Empirica credit score of 680+|
If you want to start building credit, but you don't have a co-signer or are having troubles getting approved, a Secured Credit Card might be your answer! A Secured Credit Card is an easy way to show us that you are responsible with credit, and a great learning tool for spending responsibly.
To get started, you and your loan officer will discuss what you are looking to use the card for. Together you will determine how much your credit limit will be. In this case, let's say $500.
We will put $500 of your money in a secured account - which means you can't touch it for now. You will be given a credit card with a credit limit of $500. The reason why we put the lock on your $500 is to ensure that if you were unable to keep up with payments, you have money available. This saves you from a debt trap.
Then, show us how you can use this card responsibly and pay it back on time. After a certain amount of time, we will take the $500 in the secured account and release it back to you. Congrats! Now you have a credit card and you're building your credit score!
*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.