Credit Cards

Verified VisaA First Central MasterCard gives you convenience, security and flexibility. Whether you’re just starting out and need a low-cost credit card or you’re looking for a credit card that supports your entire family, count on us to give you one that is perfect four
your needs.

Go To My Card

You'll enjoy the following benefits:

  • No annual fee
  • Low fixed rates
  • Grace period of 25-days before finance charge is imposed
  • Use them worldwide any place MasterCard is accepted
  • Payment accepted at credit union
  • 1% Cash back on all purchases after $2,000 in annual net retail sales

Please click here to report a lost or stolen First Central MasterCard®, MasterCard ® Platinum credit card or click here for the credit card payoff calculator.

Choose The Plan That Works For You MasterCard® MasterCard® Platinum
Annual Percentage Rate (rates fixed) 9.49% - 16.99% 9.49% - 16.99%
Other Annual Percentage Rate
(cash advance & balance transfers)
12.84% 8.9%
Annual Membership Fee NONE NONE
Grace Period for Purchases 25 DAYS 25 DAYS
Method of Computing Balance Average Daily Balance (including new purchases)
Minimum Finance Charge NONE NONE
Transaction Fee NONE NONE

Cash Advance Fee: NONE
Over-Credit-Limit Fee: $25.00
Late Payment Fee: $25.00 if paid ten (10) or more days after due date.
Return Check Fee: $20.00