Boost your purchasing power wherever you go with a Visa® credit card from FCCU.
Key Features
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Competitive Rates
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Anytime Funds
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No Annual Fees
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Local Service
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.
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VISA Platinum |
Classic VISA |
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Annual Percentage Rate (APR*) for Purchases and Advances |
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Prime Rate Plus 3.99% APR* |
As low as 8.9% APR* |
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Other Fees |
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Prime Plus 3.99%* Cash Advance Fee or $3 whichever is greater |
None |
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Additional Features |
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1% Cash Back on ALL Purchases |
None |
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Grace Period for Purchases |
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25 Days |
25 Days |
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Method of Computing Balance for Purchases |
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Average daily balance (including new purchases) |
Average daily balance (including new purchases) |
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Annual Fee |
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None |
None |
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Minimum Finance Charge |
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None |
None |
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Transaction Fee for Purchases |
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None |
None |
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Balance Transfer Fee |
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None |
None |
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Over-Credit-Limit Fee |
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None |
None |
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Late Payment Fee |
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$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 or call us at 920-563-7305 to let us know. This will ensure your card will work during your travels.
We now offer mobile payments!
Whether you are a Samsung user or an Apple user, we have both forms of mobile payments available to you.
Did you know we offer secured credit cards?
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.
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.
What is a “secured credit card?”
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.
Here's how it works:
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.