Our Visa Starter Card is designed for members looking to

  • Establish a good healthy credit score
  • Improve their credit history with a manageable $500 balance

And comes with these great features.

  • No Annual Fee
  • No Minimum Finance Charge
  • No Balance Transfer Fee
  • 25-day interest-free grace period on all new purchase
  • No Over-the-Credit Limit Fee

Apply Now! to Visa Starter Card  

Apply online or at a branch, or  print the application and mail, fax, or bring it in. Applications are processed same-day, unless it is received on a day we are closed.   Please Note: When applying online, select “Visa (Non-Rewards)” from the online drop-down menu once logged in, then “Platinum Visa Credit Card” as the type of loan.

Credit Card Features:

Verified by Visa   

EMV Chip   

Visa Checkout


Activate or Select a New PIN for my Credit Card

  • How Do I Activate My Card?

  • How can I Change my PIN (Personal Identification Number)?

  • What Do I Do If I Forget My PIN?

Cash Advance and Balance Transfers

  • How Can I Make a Cash Advance?

  • Can I use my Visa Credit Card as an Overdraft Source?

  • When Will the Cash Advance Fee Be Applied To My Account?

  • How Much is the Cash Advance Fee?

  • How Can I Do a Balance Transfer to Pay Another Outside Credit Card?

Co-Applicants and Authorized Users

Lost, Stolen, or Damaged Credit Card

  • What If My Card is Lost, Stolen or Damaged?

  • How Do I Get a Replacement Card?

Making Payments

  • How Can I Make a Payment?

  • When Will I Receive My Credit Card Statement?

  • When Is My Payment Due?

  • What If My Payment Arrives Late?

  • How Much Will My Payment Be?

  • What Happens If I Pay My Bill On Time, But The Check I Use Is Returned (Bounced)?

  • I Used To Carry A Balance, But Paid My Account In Full This Month; Why Was I Charged a Finance Charge?

My New Credit Card

  • How Long Will It Take To Get My Card?

  • When Does My Card Expire?

My Rate and Credit Limit

  • How Will I Know What My Rate Is?

  • Will My Rate Ever Change?

  • What Will My Limit Be?

  • How Can I Increase My Limit?

  • Will My Limit Ever Be Decreased?

Other Frequently Asked Credit Card Questions

  • When Will a Transaction Show on My Account?

  • When Will the Pending Hold Drop Off, if the Hold Was For Something That Didn't Match Up?

  • How Do I Dispute a Transaction?

  • How do I report Fraudulent Transactions?

  • What Should I Do if I Am Planning To Travel Out of the Country?

  • What if my card is Blocked?

  • Where Can I Find My Credit Card Information Online?