Credit Cards

• Apply for Credit Card
• Pay Credit Card

PERSONAL CREDIT CARDS
Three Credit Cards to Choose From
We make it easy to choose the credit card that is right for you:

• Visa® Classic
• Visa ® Platinum
• Gold MasterCard®

All three cards are available in two options:  Low Rate Card or Preferred Points Card.  These cards are accepted worldwide at businesses, financial institutions, and ATMs.

 
Low Rate Card

  Benefits
• Short, easy-to-complete application
• Lower interest rate/annual percentage rate (APR)
• 24-hour toll-free live customer assistance available at 1-800-367-7576
• Online account information available 24/7 at www.cardaccount.net
• Rental car collision damage waiver protection
• Unlike some card offers, the APR for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
• If your payment gets to us a day or two late, don't worry because we offer a little extra grace period, helping you avoid a late fee.

  Features
• Low introductory rate for first six months
• APR after introductory period: Wall Street Journal Prime Rate (or 5.00% whichever is higher). (See application for example.)
• 25-day interest-free grace period on all purchases.  No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.

  Fees
• No annual fee
• Other fees that may be charged, if applicable are: an overlimit fee, late fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee, and balance transfer fee.

Preferred Points Card

  Benefits
• Redeem points for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Use your Preferred Points Card to earn points that you can redeem for cash-back awards, retail gift cards, travel, and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards, and more. A brochure with more details is available at any of our banking locations.
• Short, easy-to-complete application
• 24-hour toll-free live customer assistance available at 1-800-367-7576
• Online account information available 24/7 at www.cardaccount.net
• Rental car collision damage waiver protection
• Unlike some card offers, the APR for purchases and cash advances is the same. We do not charge a higher rate for cash advances.
• If your payment gets to us a day or two late, don't worry because we offer a little extra grace period, helping you avoid a late fee.

  Features
• Low introductory rate for first six months
• APR after introductory period:  Wall Street Journal Prime Rate + 8.9% (See application for example.)
• 25-day interest-free grace period on all purchases.  No grace period on cash advances.
• Cash advances can be made for up to 50% of the credit line.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 1-866-678-5191.

  Fees
• No annual fee
• Other fees that may be charged, if applicable are: an overlimit fee, late fee, NSF fee, agent assisted pay-by-phone fee, cash advance fee, and balance transfer fee.