Loans & Credit

Visa Credit Cards

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 for your needs.

Why Pay More?

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.

3.9% APR* Intro Rate for 12 Months

No Balance Transfer Fee

No Annual Fee - ever.

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.

Apply Now for RewardsApply Now for Premium-Secured
Summary
  • Make purchases virtually anytime, anywhere
  • Terrific annual percentage rates
  • 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
  • Easily replaced if lost or stolen
  • Emergency card replacement
  • Balance transfer opportunities

Getting your extra awards with REWARDS card is easy. Visit the First Central CU awards website to find out more.

Awards Redemption Center Hours of Operation:

8 a.m. to 8 p.m. CST Monday through Friday

Awards Redemption Center Telephone: 1-877-909-1450

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

Contact the Awards Redemption by email

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: (800) 682-6075

Lost/Stolen: (800) 682-6075

Written Inquiries:

First Central CU

P.O.Box 21809

Waco, TX 76702

Payments:

First Central CU

P.O.Box 21809

Waco, TX 76702

Credit Card Auto Payment

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

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

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

APR for Balance Transfers

RewardsPremiumSecured
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.49% - 18.00% 11.49% - 18.00% 15.99%

APR for Cash Advances

RewardsPremiumSecured
3.90% introductory APR for six (6) months. After that, your APR is based on your creditworthiness and will be one of the following:
13.49% - 18.00% 11.49% - 18.00% 15.99%

Fees

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 at http://www.federalreserve.gov/creditcard.
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 07/02/18

Apply Now for RewardsApply Now for Premium-Secured