Visa® Credit Card

Save money
with a low rate
and no annual fee

Apply Now

Great Low Rate

Great Low Rate

9.25% Variable APR1,2 applies to purchases, cash advances, and balance transfers.

No Annual Fee

No Annual Fee

Pay no annual fee and keep more money in your pocket to spend how you want.

Balance Transfers

Balance Transfers

Transfer your high interest loan and credit card balances with no balance transfer fees.

Primary Features

"Tap to Pay" is a feature on a contactless card that allows you to make payments with participating merchants via short-range wireless technology, also known as NFC (Near-Field Communication).
Monthly and annual transaction statements available online.
Your photo may be added to the card for additional security.


How to Apply4


You can apply online through Member Access.

Apply Online

At Your Local Branch

Print and review a Loan Information Checklist before requesting a loan at your local branch.

Print Checklist

By Phone

You can apply by phone at (888) 732-8562.

Important Information

Approval of new credit card applications is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
1 APR=Annual Percentage Rate. APR is the cost over the loan term expressed as a rate.
2 The APR is calculated by adding the index rate to the loan margin. The index is the 26-week Treasury Bill rate set on or after the 15th day of the second month of the previous
calendar quarter adjusted up to the nearest 0.25%. The recent index is 1.840% as of (8/19/19). The loan margin is 7.50%. No minimum interest rate, maximum rate of 18.00% variable APR. 3 Interest begins to accrue at time of balance transfer.
4 Subject to additional underwriting and credit approval.