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:
  • On-line Credit Card Application  Apply anytime, anywhere 24/7 and we will personally respond to your application no later than the next business day.
  • click here for  Credit Card Disclosure
  • No Annual Fee or Cash Advance Fee
  • Balance Transfer– one-time balance transfer promotional rate 2.95% APR*
  • Go to Rates after 12 months as LOW as 8.95% APR*
  • Access Credit Card Account information on-line
  • Rewards Option
  • VISA Checkout– the easier, more secure way to shop online!
  • Omnishield eGuard– our 3D SECURE solution that provides an extra layer of security for e-commerce transactions. This is a risk-based authentication process. All cardholders are automatically enrolled. Cardholders will receive instant notifications of suspicious activity.
  • Automatic Bill Updater – is a service that will provide card number and expiration date updates to merchants who maintain card records on their system, typically for recurring customer payments.  This will also work when your card is replaced due to fraud or loss and you have a totally new card number.  Members have the option to opt out of this feature.
  • Credit Insurance – Credit Life and Credit Disability Insurance available. 
  • Convenient Payment Methods – 1st Community’s “Its Me 247” on-line or mobile banking, by mail, automatic payment or over the counter at the credit union
  • Introductory Rates 2.95% APR* on purchases made in first 12 monthsafter account opening
  • Go To Rates after 12 months as LOW as 8.95% APR*
  • Same Rate for Cash Advances and Purchases
  • EMV chip-enabled
  • Works with Apple Pay, Samsung Pay and Google Pay
  • Toll-Free # for 1st Community FCU is on the back of your card to check your balance or verify payments or transactions on your card or through “Its Me 24&” online or mobile banking.
If your card is Lost or Stolen, please call toll free 800/808-6402 immediately  
  Current ELAN VISA card holders – Click Here to take advantage of our new VISA platinum and pay off your old ELAN card Some members may currently have a VISA card issued prior to January 1, 2014, with 1st Community’s logo on it. Back in 2004 1st Community sold our credit card portfolio to Town North Bank who later became ELAN. We have terminated our relationship with ELAN and the cards under their program will no longer carry the 1st Community logo when they are reissued. Two pieces of information ELAN card holders may need:
    • If your ELAN credit card is Lost or Stolen please call 800/558-3424 immediately, 24 hours a day to protect you from liability
    • – is still available to make a payment, check your balance or verify the transactions on your ELAN VISA credit card