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What is a credit card, how does a credit card work?
A credit card is a type of payment card in which charges are made against a line of credit instead of your deposit accounts (checking and savings accounts). When you uses a credit card to make a purchase, that line of credit account accrues a balance that must be paid off each month. If the balance accrued during the billing cycle is not paid off in full and on time, interest charges and late fees will be charged to the account. The line of credit is subject to credit qualification and approval.
Choose a FirstLight Visa® Credit Card that is right for you!
| Visa® Platinum | Visa® Secured Platinum | ||
| Description | Perfect for every day purchase power with low competitive interest rates. | Help build or repair your credit with low, competitive interest rates. | |
| Annual Fee | $0 | $0 | |
| Balance Transfer Fee | $0 | $0 | |
| Cash Advance Fee | $10.00 or 3% of the amount of each advance, whichever is greater | $10.00 or 3% of the amount of each advance, whichever is greater | |
| Cash Advance Limits | Cash Advances will be limited to fifty percent (50%) of your total credit line. | Cash Advances will be limited to fifty percent (50%) of your total credit line. | |
| Grace Period | 25 days | 25 days | |
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Pay with your Phone (Apple Pay, Google Pay, Visa Checkout, Microsoft Wallet) |
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| Rewards Points | Click Here | ||
| Introductory APR*+ |
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| Standard Variable APR* Range | 14.99% - 18.00% | 18.00% | |
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*APR=Annual Percentage Rage. **Introductory APR rates are for new qualifying members for a period of 12 billing cycles; after that the rate will return to its standard rate. Standard rates range between 14.99% and 18%. Subject to credit approval. Certain restrictions apply.
Get big protection in a tiny chip
Your FirstLight Visa® Credit Card now features an embedded chip that improves security every time you make purchases at a chip-activated terminal.
What To Expect When Applying:
Step 1: See if you qualify with no impact to your credit by clicking the link below. Apply for a personal loan, line of credit, or credit card in less than 5 minutes, via the link or calling us at 915-564-3225.
Step 2: A lending sales specialist will contact you to review your loan application and request any additional information or documentation. (Proof of income may be required.)
Step 3: If approved, your lending sales specialist will go over the loan terms with you and discuss any additional products and services.
Step 4: Your loan will be assigned to our Loan Processing Team, who will work with you to collect any additional stipulations and documents required to fund your loan. These documents can easily be submitted via text, or email. Loan documents will also be sent through DocuSign for your convenience. Please keep in mind that all required documents must be received before your loan can be funded.
*For in-branch closings, please contact us at 915-225-0584, currently by appointment only.
Download our Balance Transfer Form
View Full Disclosure of Rates for Credit Cards
In the case of suspected fraud on your credit card, you will receive a call from the phone numbers below. Please be aware that this is a third party vendor that helps FirstLight monitor your credit card transactions for possible fraud.
1-866-518-0213
Credit Card Agreements & Forms
Consumer Credit Card Agreement
Credit Card Payment Information
Phone number:
1-800-229-6132
Mailing Address:
FirstLight FCU
PO Box 37035
Boone, IA 50037-0035
