(260) 484-2102
|Login
|Contact Us
|Locations & Hours
|FAQ
|Home
Purchase what you need or want anytime in stores or online with our low APR* and no annual fees Visa® Credit Cards. Enjoy the freedom of flexible funding that’s there for you whenever you need it. Apply today and start shopping with ease.
Our Visa® Credit Cards will provide you with freedom, convenience, EMV chip technology, and peace of mind security benefits.
Finding a low rate credit card can be tricky, but our Visa® Platinum credit card takes out the guesswork.
| Introductory Purchase APR* | 0% for 6 months |
| Introductory Balance Transfer APR | 3.99% for 12 months |
| Standard Purchase APR** | 10.40% to 18% |
| Cash Advance APR | Same as Standard Purchase APR |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Balance Transfer Fee | $0 |
| Cash Advance Fee | $0 |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Purchase Transaction Fee | $0 |
| Late Payment Fee | Up to $25.00 |
| Returned Payment Fee | Up to $25.00 |
| Statement Copy Fee | $5.00 |
| Document Copy Fee | $25.00 |
| Rush Fee | $30.00 |
| PIN Replacement Fee | $3.00 |
| Card Replacement Fee | $10.00 |
| Pay-by-Phone Fee | $3.00 |
*Special purchase interest rate of 0.00% APR is applied for six months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through six statements and then revert to the regular variable purchase APR with the seventh monthly statement. You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
**Rate Based on creditworthiness. APR = Annual Percentage Rate. Rate valid as of July 1, 2017. Rates subject to change without notice.
Imagine turning your everyday expenditures into a family trip, airline miles, or a flat screen television. Visa® Gold cardholders earn points toward rewards.
| Purchase Intro APR* | 0% for 6 months |
| Balance Transfer Intro APR | 3.99% for 12 months |
| Standard Purchase APR** | 12.40% to 18% |
| Cash Advance APR | Same as Standard Purchase APR |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Balance Transfer Fee | $0 |
| Cash Advance Fee | $0 |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Purchase Transaction Fee | $0 |
| Late Payment Fee | Up to $25.00 |
| Returned Payment Fee | Up to $25.00 |
| Statement Copy Fee | $5.00 |
| Document Copy Fee | $25.00 |
| Rush Fee | $30.00 |
| PIN Replacement Fee | $3.00 |
| Card Replacement Fee | $10.00 |
| Pay-by-Phone Fee | $3.00 |
Earn 1 point per dollar spent on purchases; returns will be deducted from the bonus point calculation. Cardholders can earn 2,500 bonus points by making at least $500 in purchases within 90 days of account opening. There is no limit to the amount of points you can earn. If your account is closed, voluntarily or involuntarily, past due or over limit, you will forfeit all points. Your points will expire after five (5) years, with the oldest points expiring monthly.
*Special purchase interest rate of 0.00% APR is applied for six months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through six statements and then revert to the regular variable purchase APR with the seventh monthly statement. You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
**Rate Based on creditworthiness. APR = Annual Percentage Rate. Rate valid as of July 1, 2017. Rates subject to change without notice.
We want to help you get more for your money! Visa® Surefire cardholders earn cash back rewards on all purchases.
| Purchase Intro APR* | 0% for 6 months |
| Balance Transfer Intro APR | 3.99% for 12 months |
| Standard Purchase APR** | 13.40% to 18% |
| Cash Advance APR | Same as Standard Purchase APR |
| Annual Fee | $0 |
| Minimum Interest Charge | $0 |
| Balance Transfer Fee | $0 |
| Cash Advance Fee | $0 |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Purchase Transaction Fee | $0 |
| Late Payment Fee | Up to $25.00 |
| Returned Payment Fee | Up to $25.00 |
| Statement Copy Fee | $5.00 |
| Document Copy Fee | $25.00 |
| Rush Fee | $30.00 |
| PIN Replacement Fee | $3.00 |
| Card Replacement Fee | $10.00 |
| Pay-by-Phone Fee | $3.00 |
The reward will post as a credit to your Visa account annually in December. Rewards are earned on purchases only; returns will be deducted from the calculation.
Earn a percentage back on your annual purchases within the following ranges: $1 – $1,000 = .33%, $1,001 – $3,000 = .66%, $3,001+ = 1%. The reward will post as a credit to your Visa account annually in December. Rewards are earned on purchases only; returns will be deducted from the calculation. If your account is closed, voluntarily or involuntarily, past due or over limit, or inactive you will forfeit all rewards.
*Special purchase interest rate of 0.00% APR is applied for six months from posting date of the transaction. APR = Annual Percentage Rate. Promotional APR will last through six statements and then revert to the regular variable purchase APR with the seventh monthly statement. You have 25 days after the close of each statement period to pay your balance in full without being charged interest.
**Rate Based on creditworthiness. APR = Annual Percentage Rate. Rate valid as of July 1, 2017. Rates subject to change without notice.
We use a method called “average daily balance (including current transactions).” See your account agreement under Finance Charge for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Minimum monthly payment is 3% of your total new balance or the over limit amount, whichever is greater, but not less than $25 plus the amount of any unpaid prior payments due. Payments of $10,000 or greater may not be part of your available credit for three (3) business days. Your payment is due the 18th of every month.
Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
*Rate Based on creditworthiness. APR = Annual Percentage Rate. Rates valid as of July 1, 2017. Rates subject to change without notice.
