Credit Cards
Credit Cards
Credit Cards LOAN CENTER: Sign in to apply or check the status of a loan. CREDIT CARDS: Sign in to access your credit card. EXPLORER Want your purchases to work for you? Start earning rewards, cash back, and additional perks every time you make a purchase using our Explorer Rewards card. Apply Now ENRICHMENT Interested in a low rate card? Look no further than our Enrichment card. This no frills card gives you the flexibility you need without all the extras. Apply Now EMPOWER Looking to build up your credit? Whether you are just starting out, or looking to improve where you stand, our secured Empower card is the card for you. Apply Now Discover which card is right for you. Compare Cards Discover which card is right for you. Compare Cards Credit Card Features Tap-to-Pay Go touch-free and reduce your checkout time wherever contactless payments are accepted. Fraud Monitoring If a suspicious transaction is detected on your card, you'll receive a text message notification allowing you to spot and stop fraud right away. Card Controls Turn your card on/off, limit transactions, view enhanced spending insights, and access your new card before receiving it in the mail-- all from our Mobile Banking app! Watch to Learn More Online Access Transfer balances, change your PIN, and access your account information 24/7/365. Digital Wallet Add your card to your device's digital wallet to pay for purchases directly from you device in-store, online, and in apps at participating retailers. Call Center Have questions? Call 1-877-855-4331 any time for assistance. Which card is right for you?1 EXPLORER ENRICHMENT EMPOWER2 Who is this card designed for? Best for members who prefer rewards, cash back, and enjoy premium card benefits in exchange for a slightly higher rate. Ideal for members who want to lower interest and prefer simplicity over rewards, cash back, or extra perks. Perfect for members who are new to credit or looking to rebuild-- starts with a secured limit and helps you grow toward better credit options. Annual Fees None None None Monthly Minimum Payments $25 or 2% of balance, whichever is greater $25 or 2% of balance, whichever is greater $25 or 2% of balance, whichever is greater Interest Free Grace Period 30 days 30 days 30 days Balance Transfer Fee 5% during introductory 12 months, and None thereafter None 2%, Minimum $5 Introductory Interest Rate for 12 Months 0% on Balance Transfers only 5.99% on Purchases and Balance Transfers None Rewards 10,000 Bonus Points when you spend $1,000 in the first 90 days None None Which card is right for you?1 Explorer Rewards EXPLORER Best for members who prefer rewards, cash back, and enjoy premium card benefits in exchange for a slightly higher rate. Annual Fees None Monthly Minimum Payments $25 or 2% of balance, whichever is greater Interest Free Grace Period 30 days Balance Transfer Fee 5% during introductory 12 months, and None thereafter Introductory Interest Rate for 12 Months 0% on Balance Transfers only Rewards 10,000 Bonus Points when you spend $1,000 in the first 90 days Enrichment ENRICHMENT Ideal for members who want to lower interest and prefer simplicity over rewards, cash back, or extra perks. Annual Fees None Monthly Minimum Payments $25 or 2% of balance, whichever is greater Interest Free Grace Period 30 days Balance Transfer Fee None Introductory Interest Rate for 12 Months 5.99% on Purchases and Balance Transfers Rewards None Empower EMPOWER2 Perfect for members who are new to credit or looking to rebuild-- starts with a secured limit and helps you grow toward better credit options. Annual Fees None Monthly Minimum Payments $25 or 2% of balance, whichever is greater Interest Free Grace Period 30 days Balance Transfer Fee 2%, Minimum $5 Introductory Interest Rate for 12 Months None Rewards None Credit Card Rates & Disclosure 1 For existing Credit Card holders, no need to apply for a new card, your account will be automatically converted over to the new card products soon. 2 Secured Credit Card: Our Secured Credit Card requires you to place a refundable security deposit in your savings account, the amount of which becomes your credit limit. VISA is a trademark of the VISA International Service Association.