Quick Tips & Info

• Fixed credit card rates, no hidden fees or different rates for different transactions*
  _{*Foreign Transaction Fee is 1% of each transaction in U.S. dollars}
• Keep balance at 50% or below to keep a good credit rating
• Have on hand for emergency expenses, and try to avoid using it for day to day expenses
• Know the difference between your Credit Card and your Debit Card
• Any fraudulent transactions over $50 may be disputed
• This is a good way to establish credit, including those who are just beginning college
• Design your own card by clicking on Online Services within Visa View and Pay
• Make your payments at any location, apply for an increase with our loan representatives, or call us with any questions on the account
• By bringing in your most recent credit card statement to any of our locations you can receive a free balance transfer. We also offer free cash advance.
• Debt Protection available which includes unemployment, life and disability on our VISA® Credit Cards
• Use VISA® View and Pay to see current balances, recent transactions, past statements and make payments