WHEN YOU NEED EXTRA MONEY

A VISA® credit card is a widely accepted financial tool that allows cardholders to make purchases and manage expenses. City of Firsts Community Federal Credit Union offers secured and unsecured VISA® credit cards to serve our members' diverse needs.

Secured VISA® Credit Card

A secured VISA® credit card requires a cash collateral deposit, which is your credit limit. This is ideal for members looking to build or improve their credit history. The deposit ensures that the credit union has security in case of default to cover the outstanding balance. The secured card functions like any other credit card, allowing you to make purchases, and payments are reported to credit bureaus to help establish your credit score.

Unsecured VISA® Credit Card

An unsecured VISA® credit card does not require a deposit and is typically offered to members with good credit scores. This card type provides greater purchasing power and often comes with additional benefits, such as rewards programs, cash back, or travel perks. Unsecured cards can help manage cash flow while building a strong credit history.

Both types of VISA® credit cards come with competitive interest rates and terms. They also offer cardholders the convenience of worldwide acceptance, online banking tools, and enhanced security features to protect against fraud. Whether you are looking to build your credit or enjoy the flexibility of a credit card, our VISA options cater to your financial goals.

CLASSIC

VISA® Credit Card

  • APR as low as 12.50%*

  • Up to $5,000 Credit Limit

  • No Annual Fee

  • 25 Day Grace Period on Purchases

  • No Cost Travel Protection

  • The ideal card for those who pay their balance in full monthly.

*APR is Annual Percentage Rate. All rates are subject to change without notice. Other rates available may be higher based on risk-based lending policy. Other terms & conditions may apply. Rates are subject to change without notice. Terms are calculated in months.

PLATINUM

VISA® Credit Card

  • APR as low as 9.90%*

  • Up to $10,000 Credit Limit

  • No Annual Fee

  • 25 Day Grace Period on Purchases

  • No Cost Travel Protection

  • The ideal card for those trying to establish or reestablish their credit.

Already have a VISA®Card? MANAGE IT HERE

Cardholder Services
(855) 510-0953

Lost or Stolen
(800) 449-7728