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Personal Bank Cards

Flexible and Convenient

VISA® Credit Card Overview

Find a card that fits your needs.

Credit cards can be useful financial tools when used responsibly. Whether you want to begin building your credit, or to start accumulating reward points, we have a card option for you. Click through for more information on each card, or start your application.

Each of our cards includes a Card Valet® app and service, which allows you to temporarily freeze your card for added security, set spending limits, and set geographical boundaries for your card. For more information on Card Valet, click here.

Access your card online by clicking the “credit card login” tab at the top of our website. From here you can check your account balance, make payments, enroll in alerts, and download and view statements.

Credit reserves are another product we offer that can act as a safety net or help build credit. Learn more about Credit Reserves.

Points and Rate – See full rates and charges on the Visa® Credit Card Rates and Charges table below.
PLATINUM LOW RATE*
No Rewards
PLATINUM REWARDS*
1 to 1 Rewards
PLATINUM PREMIER*
1 to 1.5 Rewards
Reward Points None 1 for $1 1.5 for $1
Annual Fee None None $50
Interest Rate 13.25%
This APR will vary with the market based on the Prime Rate.a
17.25%
This APR will vary with the market based on the Prime Rate.b
17.25%
This APR will vary with the market based on the Prime Rate.b

*Subject to credit approval.


Or click here to download a pdf application


VISA® Credit Card Benefits

Each of our credit cards comes with auto rental, roadside service, cell phone protection, travel accident insurance, and extended warranty benefits. See the chart below to compare our card offerings. For full details, you can review the Platinum Low Rate, Platinum Rewards, and Platinum Premier VISA® Benefit Guides.

BENEFITS PLATINUM LOW RATE*
No Rewards
PLATINUM REWARDS*
1 to 1 Rewards
PLATINUM PREMIER*
1 to 1.5 Rewards
Auto Rental Collision
Damage Waiver
Roadside Dispatch®
Cell Phone Protection $100/claim, max of $200/year $50 deductible $100/claim, max of $200/year $50 deductible $250/claim, max of $500/year $50 deductible
Travel Accident Insurance $250,000 $250,000 $500,000
Travel and Emergency
Assistance Services
Extended Warranty Protection
Purchase Security
Baggage Delay Reimbursement
Price Protection
Trip Cancellation & Interruption
Hotel Theft Protection

Or click here to download a pdf application


VISA® Credit Card Interest Rates & Charges

INTEREST RATES &
INTEREST CHARGES
PLATINUM LOW RATE*
No Rewards
PLATINUM REWARDS*
1 to 1 Rewards
PLATINUM PREMIER*
1 to 1.5 Rewards
Annual Percentage Rate (“APR”) for Purchases and Balance Transfers 13.25%
This APR will vary with the market based on the Prime Rate.a
17.25%
This APR will vary with the market based on the Prime Rate.b
17.25%
This APR will vary with the market based on the Prime Rate.b
APR for Cash Advances 20.25%
This APR will vary with the market based on the Prime Rate.c
Penalty APR and When it Applies n/a
Paying Interest There is no grace period on balance transfers or cash advances. Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1
CREDIT TIPS FROM THE CONSUMER FINANCIAL PROTECTION BUREAU To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: www.consumerfinance.gov/learnmore
Credit Card Fees
Annual Fee None None $50
Set-Up Fee, Maintenance Fee None
Transaction Fees
Balance Transfer Fee The greater of $5 or 3% of the amount transferred
Cash Advance Fee The greater of $10 or 4% of the amount advanced
Foreign Currency
Transaction Fee
2% of each transaction will be charged in U.S. dollars.
Penalty Fees
Late Payment Fee Up to $30
Over-the-Credit-Limit Fee None
Returned Payment Fee $25
Other Fees
Rushed Credit Card Fee $70 per card
Expedited Payment Fee $10

a We add 8.00% to the Prime Rate to determine the Purchase and Balance Transfer APRs.

b We add 12.00% to the Prime Rate to determine the Purchase and Balance Transfer APRs.

c We add 15.00% to the Prime Rate to determine the Cash Advance APR.

How We Will Calculate Your Credit Card Balance: We use the average daily balance method (including new purchases). An explanation of this method is provided with your card agreement.

Billing Error Rights: Please see your card agreement for details on billing error rights.

Prime Rate: Variable APRs are based on the Prime Rate which is currently 5.00% as of 9/28/2018.

VISA®, the name VISA, and Roadside Dispatch are registered trademarks of Visa.

Card Valet and uChoose Rewards are registered trademarks of Fiserv, Inc.


Or click here to download a pdf application