Credit Cards

Our low, fixed-rate credit card boasts NO annual fees and NO cash advance fees!  This straight-forward credit card won’t surprise you with varying interest rates or fees.


Benefits of our Credit Card:

  • Low, fixed interest rate! 14.90%
  • NO annual fees
  • NO cash advance fees
  • Available for Businesses!

Credit Card Management Site

To view your transactions or pay your bill, login to the Access Point portal by clicking on the button below.


Important Numbers:

Activate your Credit Card: (800) 290-7893

Set a PIN: (800) 290-7893

Credit Card Support: (866) 632-7970

Report your Credit Card lost or stolen: (855) 293-2458


Credit Card Details
APR for Purchases:14.90% fixed
APR for Balance Transfers:14.90% fixed
APR for Cash Advances:14.90% fixed
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore.
Setup and Maintenance Fees
Card Replacement:

None
Transaction Fees
Balance Transfer Processing:
Cash Advance Processing:
Foreign Transaction:

None
None
1.00% of each foreign currency transaction in U.S. dollars
Penalty Fees
Late Payment:
Returned Payment

$20.00
$25.00
Other Fees
Statement Copy Fee:
Rush Fee:
Stop Payment Fee:
Research Fee:
Sales Draft Copy Fee:
Annual Membership Fee:

NONE
NONE
$20.00 per request
NONE
NONE
NONE