Premier Low Rate

A lower rate card awaits. Like 250%¹ lower.

F&A's Premier Low Rate Visa® is the ultimate in low rate. Accepted worldwide, it's the perfect card to use to pay off other debt or make purchases.

Rate as low as 6.90% APR*
Credit lines ranging from $5,000 up to $25,000
21 day grace period (Purchase Only)
No Annual Fees
No Balance Transfer Fees
No Over Limit Fees
No Cash Advance Fees
Free Overdraft Protection
No-cost Fraud Protection with $0 deductible

Other Premier Low Rate Visa benefits:

Traveling outside the US? Be sure to check the fraud prevention safeguards we've put in place.

Ready to apply? Login to Online Banking and navigate to Accounts and select Loan Application.

Have questions? Call us at 800-222-1226 or visit one of our branches.

Important disclosure information, please read!

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases	6.90-14.50%
APR for Balance Transfers	6.90%-14.50%
APR for Cash Advances	6.90%-14.50%
Penalty APR and When it Applies	None.
Paying Interest	Your due date will be at least 21 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay your entire balance by the due date each month. We will begin charging interest on balance transfers and cash advances on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None 1% of each transaction in U.S. dollars
Penalty Fees Late Payment Returned Payment Over the Credit Limit	Up to $20 Up to $5 None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.

Loans Quoted are APR (Annual Percentage Rate). Rates and Terms are subject to change without notice.

To apply, log into Online Banking and navigate to Accounts, then select Loan Application. You can also call us at 800-222-1226 or visit one of our branches.

*APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.

The signature of a co-signer who has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Other restrictions may apply.

¹Based on national average credit card rate by type, accurate as of September 10, 2024. Average rates may change weekly.