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First City has great rates and high quality personalized service.
Don’t fall for credit card gimmicks like points, miles and rewards. First City’s Visa is a straightforward credit card with great rates and features, like:
Apple Pay, Samsung Pay, and Google Pay now available.
New First City Card Control Security for cardholders.
But the benefits don’t stop there, we dare you to compare because there is no comparison.
| Compare Your Credit Card | ||
|---|---|---|
| First City Visa | Other Credit Cards | |
| Balance Transfer Fee | $0 | As high as 4% of amount transferred |
| Cash Advance Fee | $0 | As high as 4% of amount transferred |
| Rate on Purchase vs. Cash Advances |
Same | Often more than double purchase rate |
| Lowest Rate | 12.50% APR* | Usually 25% or higher (check your current rate) |
| Service | Friendly, personalized credit union service | Good luck! |
Based on a periodical survey of leading credit card issuers
Choose the right First City Visa Credit Card for you:
| Visa | Secured Visa |
|---|---|
Features:
|
Features:
|
Plus, enjoy a long list of benefits. Here’s what you get:
|
|
Certificate balances cannot be used to secure a credit card.
*APR=Annual Percentage Rate, rate is variable based on prime rate
Visa Introductory Rate Disclosure
| VISA Disclosure | |||
|---|---|---|---|
| Interest Rate and Interest Charges | |||
| APR is based on Your creditworthiness at the time Your Account is established. These APRs will vary with the market based on the Prime Rate. | |||
| VISA | Share-Secured Visa | ||
| as low as | up to | as low as | |
| Annual Percentage Rate (APR) for Purchases | |||
| Introductory APR for six months | 2.99% | 2.99% | |
| 12.50% | 18.00% | 9.50% | |
| APR for Balance Transfers | |||
| Introductory APR for six months | 2.99% | 2.99% | |
| 12.50% | 18.00% | 9.50% | |
| APR for Cash Advances | |||
| Introductory APR for six months | 2.99% | 2.99% | |
| 12.50% | 18.00% | 9.50% | |
| Paying Interest | We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on balance transfers and cash advances on the transaction date. | ||
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying or using a credit card, visit the website of the Consumer Financial Protection Bureau at: | https://www.consumerfinance.gov/learnmore/ | |
| VISA Credit Card Fee Disclosure | ||||
|---|---|---|---|---|
| Transaction Fees | ||||
| Foreign Transactions | 1.00% of each foreign currency transaction in U.S. Dollars | |||
| 1.00% of each U.S. Dollar transaction that occurs in a foreign country | ||||
| Penalty Fees | ||||
| Late Payment | $10.00 | |||
| How We Will Calculate Your Balance: | We use a method called "Average daily balance including new purchases." See Your Account Agreement for details. | |||
| Billing Rights: | Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. | |||
Easy Application
- Apply for your First City consumer loan 24 hours a day
- Click on the ‘Apply for a Loan’ button on this page or call 800.944.2200, ext. 5.
- Qualified members are approved in minutes.
- You can also apply at any First City branch during business hours.
| Card Services | |
|---|---|
| Card Fraud | 800.944.2200 (regular business hours) |
| Activate or Change a PIN: | 866.762.0558 |
| Lost & Stolen Cards | |
| Within the U.S.: | 888.241.2510 |
| Outside the U.S.: | 909.941.1398 |
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