Credit Cards
Interest Rates Certified by Datatrac
FirstLight Visa® Credit Cards
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 |
$0 |
|
$0 |
| Grace Period |
25 days |
|
25 days |
|
Pay with your Phone
(Apple Pay, Google Pay, Visa Checkout, Microsoft Wallet)
|
✔ |
|
✔ |
| Rewards Points |
N/A |
|
N/A |
| Introductory APR*+ |
1.90% to 5.90% APR
for 12 months
|
|
N/A |
| Standard APR* Range |
8.90% - 18.00% |
|
14.90% |
| Security Features: |
|
|
|
|
|
✔ |
|
✔ |
- Visa's Zero Liability Protection
|
✔ |
|
✔ |
- Travel & Emergency Assistance Service
|
✔ |
|
✔ |
- Warranty Manager Purchase Security
|
✔ |
|
✔ |
|
|
✔ |
|
✔ |
- 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 8.90% 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.
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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.
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
