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Credit Cards

Our Visa Platinum credit card has everything you need, and best of all, it’s offered by us. The same people you work with every day.

Service and Community

We focus on the needs of our customers and our community. That’s why we provide you with the quality service you deserve and expect. So, carry a little bit of home with you, wherever you go.

Our Visa Platinum has great rates and all of the following features:

Low 15.15% variable APR*
Low six-month 3.9% APR for balance transfers*
No annual fee*
Accepted worldwide at more than 24 million locations
Obtain cash at over 700,000 ATMs worldwide
Zero liability for unauthorized transactions
Auto Rental Insurance

Access Account Information Anytime

It’s easy to get the information you need, when you need it. your account information is available anytime and anywhere through www.MyCardStatement.com. Check balances, view transactions, or make payments safely and securely over the Internet.

Reward Yourself

You work hard for your money, now let your money work hard for you. Your everyday purchases can earn more with our new ScoreCard Visa Platinum.

For a nominal $15 annual fee, you can earn points redeemable for a wide variety of merchandise and travel options to fit almost any lifestyle. Our ScoreCard Visa Platinum has all the benefits of our Visa Platinum plus:

Earn one point for every net dollar in retail purchases
Redeem points for air travel, rental cars, cruises, hotels or other travel options with fewer restrictions and no blackout dates
Points may also be redeemed for a wide variety of merchandise from our ScoreCard catalog—available online.

“Visit www.ScoreCardRewards.com and click on “Browse” to see what you can earn!”

Visa Card Features

Annual Percentage Rate
(APR) for Purchases

15.15% variable*

Balance Transfer Rate

3.9%* fixed rate for the first six months the account is opened. Thereafter, 15.15% variable.*

Other APRs

Cash Advance APR: 18.65% variable* Accounts Not in Good Standing: 22.65% variable (see explanation below)*

Variable Rate Information

Your rate may vary. The rate is determined by adding the Prime Rate and 6.9% for purchases and balances transfers, 10.4% for cash advances, and 14.4% for accounts not in good standing. Rates will never be less than 12.9% for purchases and balance transfers, 16.4% for cash advances, and 20.4% for accounts not in good standing.**

Grace Period for Purchases

Not less than 25 days***

Balance Computation Method

Average Daily Balance (including new purchases)

Minimum Finance Charge for Purchases

$0.50

Transaction Fee for Cash Advances

2.5% of each cash advance; $2 minimum

Other Fees

Annual Membership Fee: $0 for Visa Platinum or $15 for ScoreCard Visa Platinum
Balance Transfer Fee: $0
Late Payment Fees: $19 on balances up to $100
$29 on balances of $100 up to $1000
$39 on balances of $1000 or more
Fee for Returned Payment Check: $30
Overlimit Fee: $30 after the first occurance and each subsequent billing period that the account is over limit