Superpowers, right in your pocket.

You can have spending superpowers today (donning your cape in a telephone booth is optional). The VISA^® Preferred Credit Card gives you the power to make purchases without having to carry around cash or checkbook. It can even protect you from fraud when making online purchases. Best of all, you can use it anywhere in the world VISA^® is accepted.

In addition, our card can help you stand tall with benefits like:

• No Annual Fee
• Great Low Rates Depending on Credit Qualifications
• 25-Day Grace Period on Purchases (excluding Cash Advances)
• No Fee for Balance Transfers
• Access to our Free Member Rewards Program
• Text Alerts (Enroll your VISA^® credit card at the smsGuardian website and receive text alerts when your card is used. Note: Only Visa Credit Cards can be enrolled on this site.)

If you haven't established a credit score, or your credit score is a little bruised, we have the perfect solution – our VISA^® Preferred Secured Card.

With our VISA^® Preferred Secured Card, you deposit money equal to your credit limit in your Ownership Share account. That money is then placed on hold while your card account is open. Use the card as if it were a regular, unsecured credit card. By charging, then making on-time payments every month, you establish a positive credit history and show the ability to repay in a timely manner.

No matter which VISA^® Preferred Credit Card you choose, you can online or by visiting us at the branch.

VISA Credit Card Agreement and Disclosure