Jan 2019 Visa balance transfer promo

Balance Transfer Promo

Through March 31st transfer your balances from high interest credit cards to a First Castle Visa and get 2.12% APR* for 12 months. With no balance transfer fees. Apply online or give us a call!

Credit Cards

Low interest credit cards from First Castle FCU

You owe it to yourself to get a lower rate.

With a First Castle FCU credit card, you can make the purchases you need without high interest rates or an annual fee.

No matter where you are in your financial journey, we have a credit card for you.

With low interest rates, no annual fee, and no balance transfer fee, you really can’t go wrong with a credit card from First Castle.

  VISA PlatinumSecured VISA Platinum
Best if youWant a card with no annual fee and lower interest rate.Have little or no credit history or are trying to repair bad credit, and are looking for a lower rate.
Annual FeeNoneNone
Credit LineUp to $20,000$250 to $1,000
RateRates as low as 10.00% APR**12.50% APR**

button links to online application

VISA Platinum Credit Card

platinum credit card, no annual fee, low interest

The FCFCU Platinum Visa Card offers the power of platinum and may be the only card you ever need.  The VISA Platinum card includes:

  • No annual fee
  • Credit limits up to $20,000
  • 25-day grace period on purchases
  • Accepted at millions of locations worldwide
  • No balance transfer fee
  • Optional Credit Life and Disability Insurance available
  • Purchase Alerts

VISA Platinum Secured Card

This card is for members who are new to the world of credit or want to start rebuilding a good credit history. The secured card is the perfect choice. A Secured VISA card looks and functions just like a standard VISA card except funds are on hold in the share (savings) account.   Secured credit card has a credit limit and purchases will increase the balance and a monthly payment is necessary on the balance owed.

Members must have a minimum of $250 deposit (or amount equal to or greater than the credit card limit), in a savings account, to serve as security for the card. The money on deposit earns interest, but must remain in the account while you have the card. Eventually, as you build a good credit history, you may want to apply for a standard (unsecured) VISA card.

Credit Card Account Access

Click here to access your VISA Credit Card account, view statements, and make payments online.

To activate a new VISA Credit Card and create a PIN, please call 1-877-311-1512

For Credit Card Customer Service, please call 1-877-848-5092

For lost or stolen cards after hours, please call 1-800-556-5678

Credit card agreement and disclosure

Credit card agreement and disclosure amendment October 2017

*Balance transfers completed 01/01/2019 through 03/31/2019 will receive 2.12% promotional APR for 12 months from the date of first balance transfer. After the promotional time frame expires, remaining balances will migrate to standard APR applicable on your account. Contact the credit union for complete details. APR=Annual Percentage Rate. Balance transfers may not be used to pay down an existing FCFCU Visa. First Castle Federal Credit Union is Federally Insured by NCUA.  

**Rates based upon credit score, your rate may vary. Normal credit qualifications apply. Rate based upon the Wall Street Journal Prime Rate and are subject to change.  Contact First Castle Federal Credit Union for complete details.  APR=Annual Percentage Rate.