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Our credit cards are drool-worthy. Switch to a card that will save you money!

Key Features

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

Have you noticed how high the interest rate is on your credit cards? At FCCU, we've got tail-wagging rewards and drool-worthy rates that are sure to save you money!  Not only do our credit cards have great rates, but they offer low monthly payments, no hidden fees and most importantly, local service.  Go ahead, compare. We're confident you'll switch to ours. Check out your options below and apply today!

VISA® Platinum

Classic VISA®

Annual Percentage Rate (APR1) for Purchases and Advances

Prime Rate Plus 3.99% APR1

As low as 8.9% APR2

Other Fees 

None

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?

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 Samsung Pay or Apple Pay. When linked, online and in-person point of sale purchases can be made securely, and without even touching a payment terminal.  

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 our convenient branch 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 is 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!

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.