Visa® Credit Cards

Give yourself purchasing power with one of our great Visa credit cards. 

We’ve designed the cards with our members in mind. With an FNCU credit card, you will enjoy:

  • Quick and easy application
  • FREE online banking access
  • 24/7 member service
  • Same low rate for cash advances
  • Visa 3-D Secure Authentication

View our current credit card rates and disclosure information here for complete terms and conditions.


There’s no need to come into a branch to sign documents! Sign electronically for loans and when opening accounts. All you need is an email address. (Not available for mortgages, home equity loans, home equity lines of credit, or members ages 19 and under.)

Learn more about our different credit card options below:

Platinum Plus
Platinum Rewards

To speak with a loan specialist, please call (800) 882-0244, or stop by any of our locations. Existing Visa Credit Card holders may request their cardholder agreement by contacting us.

Rates effective as of 1/1/2023 and are subject to change. *APR (Annual Percentage Rate) – Rates, terms and conditions are subject to change and may vary based upon creditworthiness, qualifications, loan amount, term, applicable prepaid items and collateral conditions. All loans subject to credit approval. Some restrictions may apply. All rates, except credit cards, lines of credit, share secured and unsecured loans, are quoted with .25% discount for any new money loan with a checking account relationship that has direct deposit, and automatic payment for new loan. You must be a member of the Credit Union to obtain a loan. There is a $5 minimum balance required in your share savings when you become a member. (3) The VISA Credit Card has a 25 day grace period for purchase balances if paid off in full each month. The APR is a variable rate and applies to purchases, balance transfers, and convenience checks. Rewards rate is based on prime plus 10.50%. Platinum Plus is based on prime plus 5.7%. Classic rate is based on prime plus 10.7%. The Prime Rate is defined as the Wall Street Journal Published Prime in effect on the 15th day of the month prior to January 1 and July 1. Interest is charged based on the average daily balance. The annual percentage rate may vary after the account is opened. **Reward points are available only for new purchases made with card. Cash advances, balance transfers, convenience checks and fees of any kind, including finance charges are excluded and do not earn credit toward reward points.