image of Santa holding pile of gifts for Visa 2.25% APR on holiday purchasesCredit 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 Platinum Secured VISA Platinum
Best if you Want 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 Fee None None
Credit Line Up to $20,000 $250 to $1,000
Rate Rates as low as 9.75% APR** 12.25% APR**

button links to online application

VISA Platinum Credit Card

The FCFCU Platinum Visa Card offers the power of platinum and may be the only card you ever need.  The VISA Platinum card includes:platinum credit card, no annual fee, low interest

  • 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

**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.