Credit Cards

Add a little more possibility in your wallet.

Apply Now

Credit Cards

Add a little more possibility in your wallet.

Apply Now
Rates as low as
13.50 % APR1

for Visa® Elite Rewards

Credit Cards

Add a little more possibility in your wallet.

Apply Now

Put a little more within reach.

Groceries on Tuesday. Concert tickets on Friday. A long-awaited flight to visit friends. A Financial Center Visa® Credit Card is ready for it all – with the security and flexibility you deserve.

Choose the card that fits you, whether that’s earning rewards or building a stronger credit history.

Elite Rewards Visa® Credit Card

Life costs money. You might as well get a little of it back. This card turns the purchases you’re already making into cash back to enjoy.

Elite Secured Visa® Credit Card

Your credit score has places to go. Give it a way to get there. This card helps you build credit through responsible use over time.

Get approved and get going.

At Financial Center, getting approved doesn’t have to mean waiting around for your card.

Just approved?
You'll be able to see your credit information in digital banking with the option to add your card to Apple Pay®, Google Pay™, or Samsung Pay and start using it same-day.3
Prefer plastic in hand?
Instant-issue Credit Cards are also available at our Lawrence, Park 100, Oakwood, and State Road 135 branches during business hours.

Your next move is in the cards.

Your card has your back.

From the first tap to the occasional “where’s my card?” moment, helpful benefits are built right in.

  • Stay in the loop with customizable spending alerts in Digital Banking
  • Shop with confidence with Visa® Zero Liability4 coverage against unauthorized transactions
  • Turn your card off in seconds if it goes missing in Digital Banking
  • Tap and go with security built into every contactless payment

Everyday spending with Elite earnings.

The Elite Rewards Visa® Credit Card was made for grocery runs, weekend plans, online carts, and everything else life puts on the card.
  • Earn 1.5% cash back on every purchase
  • Get your earnings monthly and track them in Digital Banking
  • Redeem your Cashback+ by transferring to your account or purchasing gift cards 

Keeping tabs on your rewards is easy. Just log in to Digital Banking and open Cashback+ to see where you stand.

Apply Now

Still deciding?

Let's explore your options together.

Buy Now Pay Later

BNPL is only available to qualified digital banking users

Elite Rewards Credit Card
Personal Loan
Home Equity Line of Credit
FlexLine

BNPL is only available to qualified digital banking users

Smaller purchases — spreading the cost of a specific purchase over a short period
Everyday spending — purchases, recurring expenses and ongoing convenience
Larger one-time expenses — a vehicle repair, major purchase, wedding, medical expense, or debt consolidation
Larger or ongoing projects — home improvements, renovations, major expenses, emergency funds, or expenses where you want access to funds over time
Peace of mind for the unexpected — access funds to cover emergencies, avoid overdrafts, and bridge temporary cash flow needs.
N/A
13.50%APR1
9.99%APR5
7.00%APR6
N/A
Fixed
Variable
Fixed
Variable
Variable
3-18 months
N/A
Up to 60 months
5 year draw period 10 repayment period
N/A
Up to $3000
$20,000
$20,000
$250,000
$5,000

Shopping for a business card?

We have those, too. Explore Financial Center Business Credit Cards for your everyday expenses and added spending flexibility.

Frequently asked questions

View All FAQs

The right Credit Card depends on how you plan to use it.

Whether you're looking to earn rewards, save on interest, build or rebuild your credit, or find a card for your business, Financial Center offers Credit Card options designed to fit a variety of needs.

Compare our credit cards to explore features, benefits, and rates, or contact us if you'd like help choosing the card for your financial goals.

Applying is easy. You can apply online or visit a Financial Center location.

Once you submit your application, we'll review your information, and you'll typically hear from us within 1-2 business days. You can expect a call or message from our Loan Specialists with additional follow-up questions or details. Approval is based on factors such as credit history, income, and other lending criteria.

Depending on your Credit Card, you may be able to:

  • Add your card to Apple Pay, Google Pay, or Samsung Pay for fast, secure purchases
  • Request a credit limit increase through our online loan platform
  • Use Digital Banking to set alerts, turn your card on or off, and make payments

If you have questions about your available credit, need help managing your account, or would like to request a credit limit increase, just contact us!

If your Credit Card is lost, stolen, or you notice unauthorized transactions, report it immediately to 800.449.7728.

We'll help protect your account, investigate fraudulent activity, and issue a replacement card if needed. Reporting suspicious activity as soon as possible helps minimize potential fraud.

All lines of credit subject to credit approval and underwriting guidelines. Financial Center First Credit Union membership required.

  1. APR - Annual Percentage Rate based on borrower credit score of 780 or higher. APR is variable and based upon an index and margin, will vary with Prime Rate (index) as published in the Wall Street Journal, and will never exceed 25%.

  2. APR - Annual Percentage Rate is fixed and based on borrower credit score of 780 or higher.

  3. Apple, the Apple logo, iPhone, and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc. Google, Google Pay, and the Google Logo are trademarks of Google Inc. Samsung, Samsung Pay, Samsung Galaxy, Samsung Knox and Galaxy S (and other device names) are trademarks or registered trademarks of Samsung Electronics Co., Ltd. Use only in accordance with law. Other company and product names mentioned may be trademarks of their respective owners. Screen images are simulated; actual appearance may vary. Contact your bank or financial institution to verify that it is a Samsung Pay participant. Samsung Pay is available on select Samsung devices.

  4. Visa's Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more details.

  5. APR - Annual Percentage Rate is fixed and based on borrower credit score of 780 or higher. Promoted rate applies to eligible Loyalty Rewards members with Level 3 | Peak.

  6. APR - Annual Percentage Rate based on borrower credit score of 780 or higher and loan-to-value equal to or less than 80%, single-family owner-occupied property in second lien position. APR is variable and based upon an index and margin, will vary with Prime Rate (index) as published in the Wall Street Journal, and will never exceed 18%. Applicable margin from -0.50% to +6.25%. Additional rate discounts may apply. During the 5-year draw period, minimum payments may be interest-only and may not reduce the principal balance. At the end of the draw period, outstanding balances will be repaid over a 10-year repayment period, during which monthly payments may increase.