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Take the Bill by the horns! Switch to a card that will save you money.

Key Features

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


Move your balance and save with our credit card balance transfer special!

Now through August 20th, we're offering a rate of 1.99% APR4 on balance transfers to existing FCCU members for the first 12-months with no balance transfer fee! Time to take control of your high-rate debts and drive those balances to your FCCU Visa credit card® for some fantastic savings.

Already have an FCCU Visa credit card? It's easy to transfer your balance! Here’s how:

  1. Login to your online banking experience at
  2. Click on the Credit Card link located on the bottom footer menu
  3. Select Balance Consolidation from the Services Tab on the sidebar menu
  4. Follow the prompts to pay off loans or credit cards with higher interest rates

Don't have an FCCU Visa credit card? Easily apply online today!

Have you noticed how high the interest rate is on your current credit cards?

Dare to compare! Our VISA® Classic and Platinum credit cards offer the same great benefits as other credit cards, but with lower rates and ongoing rewards!  You'll also enjoy low monthly payments, no hidden fees and most importantly, local service.  Check out your options below and apply today!

VISA® Platinum

VISA® Classic

FCCU Classic Credit Card

Annual Percentage Rate (APR1) for Purchases and Advances

Prime Rate Plus 3.99% APR1

As low as 8.9% APR2

Other Fees 



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)

Annual Fee



Minimum Finance Charge



Transaction Fee for Purchases



Balance Transfer Fee



Over-Credit-Limit Fee 



Late Payment Fee


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


Plan on traveling with your card?

Easily enter travel notices through the credit card portal within your online banking experience, complete the Member Travel Notification Form or call us at 920-563-7305. Notifying us of your travel plans will ensure transactions that occur during your travels are authorized.

Add your FCCU Visa credit card to your Mobile Wallet!

A mobile wallet is a virtual wallet that stores payment card information on your mobile device.  Turn your phone into a wallet by linking your FCCU Visa credit card to Apple Pay, Samsung Pay, or Google Pay. When linked, online and in-person point of sale purchases can be made securely, and without even touching a payment terminal.  

{openTab} Making a payment to your VISA credit card is easy!  Below are your payment options.

Remit payment to:

Fort Community CU
PO Box 660493
Dallas, TX 75266-0493

Make a payment via the credit card portal located within your online banking experience or transfer a payment from your FCCU checking or savings account using the Transfer feature in online banking or within the FCCU mobile app.

As always, you can make a payment by visiting any of one of our convenient branch locations.

Need to build or repair your credit? We’ve got the perfect tool to help you! FCCU’s Secured VISA® credit card gives almost anyone the opportunity to build good credit responsibly without paying high rates or outrageous fees. Here’s the low-down:

  • Easy application and approval process
  • Rates as low as 8.9% APR2
  • No annual fee
  • Your limit is determined by a deposit secured in a separate FCCU savings account
  • You can increase your limit at anytime by depositing additional funds and requesting a limit increase
  • And, an active3 FCCU VISA® credit card helps qualify you for Member Loyalty Cash at the end of the year!

Apply in minutes!
Apply online, call us at (920) 563-7305, or stop by one of our branch locations and ask to see a Loan Officer today!

1 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%.

2 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.

3Active = a charge or payment transactions within the last 30 days of year-end.

4APR is ANNUAL PERCENTAGE RATE. Special rates are valid only for balance transfers from other credit card companies, financial institutions, or department store credit cards. Special rates available to current FCCU members. Your special rate will not apply toward payment amounts you owe at Fort Community Credit Union. Continue to make your monthly payments to the issuer/merchant until you receive a statement from the issuer/merchant reflecting the balance transfer payment. Fort Community Credit Union will not be responsible for any finance charges or late fees incurred due to your nonpayment. Any balance transfers processed after the promotional period will incur finance charges at the standard rate. To the extent your payments exceed the minimum payment due each billing period, we will apply them to balances with high APRs prior to balances with low APRs. The promotional APR will remain in effect through the end of your credit card billing cycle following the 12-month promotional period. New purchases and cash advances will carry your card/s current rate. Transfers must be made by August 20, 2021.