The credit card that's fixated on value with a lower rate and fewer fees
While the majority of credit cards feature a variable rate, ours is fixed. When others charge for balance transfers, we offer it for free¹ to help you save money and pay down debt. When other cards tack on an extra fee if you pay outside the United States, we encourage you to make purchases worldwide without the fee. Our Visa Platinum will soon become your go-to credit card wherever and however you want to use it.
- Fixed rate as low as 11.90% APR2
- Free balance transfers for smart debt consolidation
- Global acceptance with no foreign transaction fees
- Two payment skips are allowed in the summer3 to provide financial breathing room
- 24/7 fraud protection with Visa’s Zero Liability Policy4
- No annual fee
We're Here to Serve You!
Our various banking options are designed to help you reach your goals. We're here to help.
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice.
1Free balance transfers when completing a Visa Platinum Card Balance Transfer form through Online Banking (under “Card eServices”). Free balance transfers may also be used with convenience checks to pay other lenders only—otherwise you will incur a cash advance fee. Balance transfers are not valid for First Financial loans.
2APR=Annual Percentage Rate. The rate you receive depends on your credit history.
3Summer Skips is a special benefit that allows eligible members to skip select loan payments in July and August. No late fees (or penalty credit card Annual Percentage Rate) will apply. Interest and finance charges will continue to accrue on the unpaid balances. If you elect to “skip” your summer payment(s) and make only your minimum payment(s) in the future, it will take longer to pay off the unpaid balance or there will be a balloon payment upon the maturity date and the total finance charges you will pay will be higher than if you make your regularly scheduled payments. In order to qualify for Summer Skips, payments must be paid/current through June to qualify for July and August skips.
4Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify FFCU immediately of any unauthorized use. Contact FFCU for more detail.
