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Credit Card

Say "hello" to our credit card and say "goodbye" to high rates and pay fewer fees than those other credit cards in your wallet!

Credit Card Disclosures

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  • Introductory rate ranging from 1.99% to 6.99% APR* on purchases and balance transfers for the first 6 months, then ranging from 11% to 18% APR* on purchases and balance transfers afterwards, based on creditworthiness.
  • No annual fees, no application fees, and no balance transfer fees.
  • Contactless tap-to-pay makes it easy to pay at millions of retail locations around the globe and is protected by Visa’s Zero Liability Policy.
  • Enjoy a 25-day grace period on purchases when your balance is paid in full by your monthly due date.
  • Makes great financial sense if you carry balances on your credit card or want to pay down balances more quickly from your higher rate cards.

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Advantages Of Our Visa SMART Credit Card...


Visa Credit Card FAQ

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Visa SMART Credit Card Rates


1.99% to 6.99% APR* first 6 months
on purchases and balance transfers

11% to 18% APR* after 6 months
on purchases and balance transfers


* APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

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