Credit Cards

Lost or Stolen Credit Cards – Please contact our Credit Card Services Department immediately at 800/237-8211 24 hours a day / 7 days a week for your protection.
Check out 1st Community FCU’s VISA Platinum credit card program with the following benefits to enhance your lifestyle:
    • Complete your application here Mail, fax to 325/224-3694 or return the application by encrypted email for your safety.
    • No Annual Fee
    • Balance Transfer – one-time balance transfer promotional rate
    • Rewards Option– including merchandise, airline tickets, and/or statement credit
    • Access Credit Card Account information on-line.  You can register individual cards and billing accounts separately.
    • Rewards Option– including merchandise, airline tickets, and/or statement credit
    • VISA Checkout– the easier way to shop online!
    • Verified by VISA– We Take Internet Security Seriously!
    • Convenient Payment Methods – on-line, by mail, automatic payment or over the counter at the credit union
    • Introductory Rates 2.95% APR* when purchases made I first 90 days of account opening
    • Go To Rates after 6 months 10.95% APR*
    • 25-day Grace Period on Purchases Only
    • Transaction cut-off dates on statements will vary due to new regulations, holidays, and number of days in the month
    • Toll-Free # on the back of your card to check your balance or verify payments or transactions on your card
    • Daily Spend Limits – 5 transactions per day per individual card issued with no dollar limit other than available funds on the individual card subject to the total credit limit of the business and the balance in the central billing account.  The sum of the new purchases on the individual accounts plus the balance in the central billing account cannot exceed the company’s approved limit.
    • EMV chip-enabled

If your card is Lost or Stolen, please call toll free 800/237-8211 immediately


Benefit Details:

    • No Annual Fee – reduce your operating expenses
    • Balance Transfer – one-time promotional rate balance transfer as LOW as 2.95% APR processed by the Credit Union
    • Access Credit Card Account information on-line– Access your account anytime, anywhere, 24 hours a day, 7 days a week. All your credit card activity available to you when you need it and the option to make your payments on-line.  You can register individual cards and billing account to access information on-line.
    • Rewards– There are several reward options available with our Rewards program card.
    • Every $1 in Net Retail Sale = 1 point. This includes gas, merchants, Internet, restaurants, etc. Does not include ATM transactions, Cash Back at the Merchant or Cash Advances.
    • Householding Points – you can household all points earned on cards issued to your employees together or you can allow each employee to earn and use their own points.
    • Points for Cash Back to be used as a statement credit towards your balance – The credit is not a payment- you will still need to make your scheduled payment by the due date if you take advantage of the statement credit. Points needed Cash Back Award Percent Cost per Point.
2,000 min – $10.00 – 0.50% $0.0050 5,000 – $30.00 – 0.60% $0.0060 10,000 – $70.00 – 0.70% $0.0070 15,000 – $125.00 – 0.83% $0.0083 20,000 – $175.00 – 0.88% $0.0088
    • Points for Air Travel – 41,667 points – $500 ticket value
    • Merchandise – 100 points = $1.00
    • Special Merchant Offers – 100 points = $1.00
Points expire after 6 years. First in/first out. No cap on # of points to earn. Email blast for special offers – gas, travel, restaurants, e-commerce purchase. “Scoremore” option – local merchant points.
  • Verified by VISA– We Take Internet Security Seriously! Our cardholder service has advanced authentication. Upon your first log in, you will be prompted to choose an image, a caption and four challenge questions to establish your personalized security settings that we will use to help authenticate you when you are making online Internet purchases
  • Convenient Payment Methods – on-line, by mail, automatically transfer paymenst from your 1CFCU Checking or Savings account, or over the counter at the credit union
  • Secure Lock – our fraud prevention program that uses SMS/Voice/Email to provide real-time fraud alerts to help stop credit card fraud.  Text messages will be sent from 7 am to 10 pm in your time zone. Calls will be sent from 8 am to 9 pm in your time zone. Emails are sent out 24 hours a day. There are some restrictions – Canadian residents will only receive Texts and Emails. We are unable to send Texts and make international calls but we can send Emails. There will be a representative available 24/7 to respond to your alerts. No enrollment is required.  Your card is enrolled automatically.
  • * Annual Percentage Rate – further details on features above will be provided in credit card disclosures