CREDIT CARDS
No matter what your financial situation is, we have a credit card to meet your needs and help you manage your spending.
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Get a credit card and so much more.
No matter what your financial situation is, we have a credit card to meet your needs and help you manage your spending.
CARD MANAGEMENT
Put complete control of your cards at your fingertips anytime day or night.
ZERO LIABILITY POLICY
You won’t be held responsible if someone else uses your card.
TAP TO PAY
Tap a payment terminal with your card and go. It’s that easy.
MOBILE WALLET
Paying for stuff is so much easier when all you need to do is tap your smartphone.
Find the Visa® Platinum Card that’s right for you.
Three cards that fit the way you live and spend.
We offer three Visa® Platinum Cards for you. Pick the one that’s right for you and your finances. Whatever card you choose, you’ll enjoy plenty of benefits:
- Same Low Rate for Purchases, Balance Transfers and Cash Advances
- No Fee for Balance Transfers or Cash Advances
- 25-day Grace Period for Purchases
- Credit Limits Starting at $500
Visa® Platinum Rewards Card
Low rates plus ScoreCard® Rewards. It’s really simple — the more you spend, the more rewards you’ll receive. You’ll earn points on everyday purchases that can be redeemed for merchandise, recreation and travel. Visit the ScoreCard website to see everything you can earn.
Visa® Platinum Card
If you’re looking for the lowest possible interest rate and plan on carrying a balance, this is an ideal card. No frills. Simple to use. Lots of benefits.
Visa® Platinum Secured Card
This is the ideal card if you need to build or rebuild credit. It works like this: you deposit a minimum of $550 to a People First account that acts as security for the card. Your spending activity will be sent to the major consumer reporting agencies to help establish your credit.
Visa® Platinum Card Introductory 2.9% APR* for New Cardholders
Begin saving today with a People First Visa® Platinum Credit Card. Go out shopping or transfer your high-rate balances to start saving immediately.
All Purchases, Balance Transfers and Cash Advances will have a great, low introductory rate of 2.9% APR* for 6 monthly billing cycles!
Apply online or schedule an appointment at one of our convenient branches.
Interested in a Balance Transfer?
Existing card members take advantage of our no fee balance transfer benefit. Simply fill out this Balance Transfer Request Form today to get started!
Report a Lost or Stolen Card
You can report a lost or stolen card at 1.800.325.3678. We also offer card controls with SecurLOCK Equip, allowing you to turn off your credit card in real time.
Credit Card Rates
Credit Card Rates
| Type | APR* | Monthly Payment |
|---|---|---|
| Visa Signature Cashback Card | 15.65% - 18%1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum Rewards | 14.65% - 17.65% 1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum | 13.65% - 18%1 | the greater of 2% of the outstanding balance or $10 |
| Visa® Platinum Secured | 13.65%1 | the greater of 2% of the outstanding balance or $10 |
The current prime rate is 8.00%. *APR denotes Annual Percentage Rate. 1Variable Rate. All advances are subject to a Variable Interest Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in effect on the last business day of each calendar month (“Index”) plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to your remaining principal balance.
The Margin that will apply to your VISA® Platinum Account is 5.65%-14.65%, based on your creditworthiness at the time you establish your Account. The Margin that will apply to your VISA® Platinum Rewards Account is 6.65%-9.65%, based on your creditworthiness at the time you establish your Account. The Margin that will apply to your VISA® Platinum Secured Account is 5.65%. The Margin that will apply to your Visa® Signature Cashback Card is 7.65%-10.65%, based on your creditworthiness at the time you establish your Account.
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Disclosures
*APR denotes Annual Percentage Rate.
Promotional Period for Introductory Annual Percentage Rate (APR): The 2.9% Introductory APR for balance transfers, cash advances and purchases will apply to transactions posted to your new Visa® Platinum or Visa® Platinum Rewards credit card. Offer only available for new cardholders. Cash advances, balance transfers and purchases will accrue interest at 2.9% APR for six billing cycles from the Visa® open date; any remaining balance will begin to accrue interest at the qualified standard variable rate. Rates are subject to change. Payments will be applied as stated in your Visa® Consumer Credit Card Agreement & Disclosure. Any existing balances on current People First Federal Credit Union loan and/or credit card accounts are not eligible for the introductory APR.
Applicant’s standard rate will be based upon credit evaluation. The Variable Rate is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the last business day of each calendar month (“Index”) plus a margin from 5.65% – 14.65% for the No Rewards card and a margin of 6.65% – 9.65% for the Rewards Card. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or Decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments.
For more information, please view our Visa® Platinum Application and Solicitation Disclosure.