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Credit Cards
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FirstLight Visa® Credit Cards

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 

   Pay with your Phone

  (Apple Pay, Google Pay, Visa Checkout, Microsoft Wallet)

   Rewards Points Click Here   

Click Here 

   Introductory APR*+



   Standard Variable APR* Range 14.99% - 18.00%    18.00%
   Security Features:      
  • Chip Technology
  • Visa's Zero Liability Protection
  • Travel & Emergency Assistance Service
  • Warranty Manager Purchase Security
  • Identity Theft Coverage
  • 24/7/365 Fraud Monitoring

*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.

  • Receive enhanced fraud protection with chip technology. This tiny chip protects you from fraud by creating a one-time use code for each chip transaction. This code is virtually impossible to counterfeit and helps reduce in-store fraud.
  • Easy to use. Simply swipe your card like you do today. However, if a chip-activated terminal is available, insert your card instead and follow the prompts.
  • Enjoy global acceptance. Chip-activated terminals are coming to certain U.S. retailers this year – and more locations in the years to come. Whether you check out using chip technology or swipe your card, you can pay with confidence worldwide – wherever Visa credit cards are accepted.

What to Expect:

Step 1: Apply for personal loan, line of credit, or credit by card in less than 5 minutes by clicking below or give us a call at 915-564-3225. Better yet, see if you prequalify without impacting your credit score.

Apply Now!

Step 2: A lending sales specialist will contact you to go over your loan application and request any additional information or documentation needed.  (Proof of income may be required)

Step 3: If approved, your lending sales specialist will contact you to go over loan terms and discuss additional products and services for your loan. 

Step 4: Your loan will be assigned to our loan processing team. The loan processor will collect any additional documentation via text, phone, or email.  Loan documents will be sent via DocuSign for required signatures.

*For in-branch closings, please contact us at 915-225-0584, currently by appointment only.


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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.


Credit Card Agreements & Forms

Consumer Credit Card Agreement

Credit Card Payment Information

Phone number:


Mailing Address:

FirstLight FCU

PO Box 37035

Boone, IA 50037-0035