Loans & Credit Cards

Visa Credit Card

Want a credit card that doesn’t charge you just to have it in your wallet? Give our Visa Platinum Rewards card a try. It has no annual fee, a 25-day grace period and no hidden charges. On top of that, it has a low, fixed rate, not a variable one that can change on you without notice.

We offer credit lines of up to $15,000, and you earn points toward Score Card Rewards every time you make a purchase —one point for every dollar. You can use these to redeem for free gifts and travel certificates.

Repayment is easy too, since you can view and pay your bill online. You can even transfer money directly from your share account. Why carry any other card?

Annual Percentage Rate
(APR) for Purchases
7.99% - 18.00%*
Cash Advance APR 7.99% - 18.00%*
Balance Transfer APR 5.99% - 18.00%*
Penalty, Other APRs None
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance be the due date (Grace Period) each month.
Minimum Interest Due If you are charged interest, the charges will be no less than $0.00.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at
Annual Fees None
Transaction Fee
for Cash Advances
Balance transfer fee None
Late-payment fee Up to $20.00
Return Payment Fee $30.00
Over-the-Credit-Limit Fee None

*Your APR is based on your individual credit files.
How We Will Calculate Your Balance: We use a method called 'average daily balance'(including new purchases). *An explanation of this method is provided in your account agreement.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.