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Protect Your First Financial Cards

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

10.90% to 18.00%1

Fixed Rate
Based on your creditworthiness.
APR for Balance Transfers

10.90% to 18.00%1

Fixed Rate
Based on your creditworthiness.
APR for Cash Advances

10.90% to 18.00%1

Fixed Rate
Based on your creditworthiness.
Penalty APR When It Applies
Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:


Annual Fee None
Transaction Fees
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
4.00% per transaction with a minimum of $5.00
Penalty Fees
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
Up to $15.00 (15 day grace period)
Up to $35.00
Other Fees Please refer to the Schedule of Fees for a complete listing.
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

View Complete Platinum Visa Credit Card Agreement

Apply Today

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.
1The rate you will receive depends on your credit history. Other terms and conditions may apply.
2Free balance transfers when completing a Platinum Visa 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 FFCU loans.
Have Questions?
If you have any questions, please call us at (800) 537-8491, chat via Online/Mobile Banking, or visit your nearest branch.
"Your eBranch Representative is a gem! Professional, listens to the needs of the buyer and made the experience pain-free!"
Patricia N.
Member Since 2000