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Visa Credit Cards

Whether you are 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 for your needs.

No Annual Fee — ever.

The First Central SECURED card is a great way to build your credit, while the REWARDS card is designed for those who typically pay off monthly balances and swipe often, knowing each purchase earns points toward extra awards. The First Central PREMIUM credit card is just right for those who carry over monthly balances and are looking for the best rate.

Why Pay More? Save when you transfer balances to a First Central VISA card!

3.9% APR* for First 6 Months

Perhaps you find yourself paying just the minimum monthly payment on a larger than you'd like credit card balance with a high interest rate. It can happen before you know it. Take action now by transferring your balance to a First Central VISA credit card.

*APR = Annual Percentage Rate.




Annual Percentage Rate (APR) for Purchases (The APRs will vary with the market based on the Prime Rate)

Premium Rewards Secured
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
7.49% - 16.99% 9.49% - 17.99% 11.99%

APR for Balance Transfers

Premium Rewards Secured
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
9.49% - 18.00% 11.49% - 18.00% 13.99%

APR for Cash Advances

Premium Rewards Secured
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
9.49% - 18.00% 11.49% - 18.00% 13.99%


How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge No minimum Interest Charge.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board.
Transaction Fees
Foreign Transaction Fee Up to 1% of each transaction in U.S. dollars
Penalty Fees
Late Payment Fee $25
Returned Payment Fee $25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Rates effective 4/1/2020



Reward VISA Credit Card Holders - click to view Award Redemption Options

  • Make purchases virtually anytime, anywhere
  • Terrific annual percentage rates
  • Introductory rate of 3.9% APR* for 6 months
  • Three great credit cards to choose from:
  • Visa Rewards
  • Visa Premium
  • Visa Secured
  • A number of benefits available specific to each card
  • 25-day grace period on purchases
  • No annual fee
  • No hidden charges
  • Generous credit limits
  • Low minimum payments
  • Convenience of cash advances through ATMs worldwide
  • Remote control credit/debit cards
  • Easily replaced if lost or stolen
  • Emergency card replacement
  • Balance transfer opportunities

Getting your extra awards with REWARDS card is easy.

Click here for your personal awards page

Awards Redemption Center Hours of Operation: 
8 a.m. to 8 p.m. CST Monday through Friday

Awards Redemption Center Telephone:

If calling outside the U.S. or Canada, dial 1-206-352-3478 collect

Contact the Awards Redemption by email

ATTENTION: Reward VISA Credit Card Holders

Your points from purchases update automatically. We ask that you please take note of the following: 

  • You will be asked to register your account. (Your Extra Awards user name and password used prior to February 2021 will no longer work.) Click on the "Create New Account" link and follow the prompts to establish your new sign-in credentials. Please have your account number, SSN, and email on file ready. (You must have an email address on file with First Central Credit Union for this process to work for you.) Once you have completed the form, a "Confirmation Code" will be emailed to you. Follow the prompts to complete your registration. If you require any assistance during this process, you can call (855) 854-5493. 

The First Central VISA chip card has the most recent major advancement in card security technology, with an embedded microchip that stores and generates the information required to authenticate, authorize and process transactions. You can use your VISA chip card at the same merchants as the magnetic stripe is accepted -- everywhere chip card readers have not been installed. Once merchants have upgraded their payment terminals to accept the new chip card, you can simply insert your card into the reader instead of swiping.

Visa® Credit Cards

Card Member Services: (888) 297-3416

Lost/Stolen: (888) 297-3416

For card activation & PIN management ATM / Debit / Credit cards call 1-800-290-7893 and follow the prompts on the automated system. 

Written Inquiries:
First Central CU
P.O.Box 21809
Waco, TX 76702

First Central CU
P.O.Box 21809
Waco, TX 76702

Here's a no hassle way to pay your credit card bill each month! Once you have signed up for this service, First Central will automatically debit your account each month, at the time and for the amount you choose, to make your credit card payment. Whether you're out of town one month, or just simply too busy to find the time to write that check, this FREE service takes all the worry out of paying your credit card bill!

Apply now for Auto Payment