Visa Credit Cards
Visa Credit Cards
Boost your spending power, build your credit score, or save money with our great low interest rates. It’s all possible with a Visa credit card from Topside Federal Credit Union.
Benefits of Topside Federal Credit Union Credit Cards
No Hidden Fees
Pay no annual fee and no over limit fee so more of your money goes on your balance.
Low Interest Rates
A competitive, non-variable APR means you'll save on interest so you can purchase more.
Fraud Protection
Relax knowing you have zero liability if your card is lost or stolen and you report it right away.
Your Credit Card Options
Visa Credit Card
With straightforward terms and low interest rates, this card is a smart way to handle everyday spending, manage unexpected expenses, and build credit for whatever comes next.
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Visa Preferred Credit Card
For those comfortable with carrying a balance rather than paying in full each month, the Visa Preferred Credit Card offers a higher credit line and competitive interest rates to help manage major expenses and purchases.
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Visa Rewards Credit Card
Make life more rewarding. With our Visa Rewards Credit Card, you get a generous credit limit, a great interest rate, and earn rewards for qualifying purchases with cash right back in your pocket.**
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Credit Builder Credit Card
A smart way to show you can use a credit card responsibly, this secured credit repair credit card is backed by the funds in your savings account, helping ensure that you never spend more than you have.
Learn MoreTake Advantage of Our Low Rates
Rate as of: 04/07/2026 and subject to change
★★★★★
“Top-level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”
-Ponderscythe.
Topside Federal Credit Union Credit Card Features
Competitive Rates
We work hard to offer Topside FCU members some of the lowest credit card interest rates around
24/7 Online Access
Manage your credit card account from anywhere with free Online and Mobile Banking.
Free Balance Transfers
When you use Online Banking to consolidate balances onto a single card.
Credit Card Perks
Fast card replacement, travel purchase protection, shopping services, and more!
Simple Payments
You can pay your credit card bill online, by check, or by automatic debit from your account.
Credit Union Credit Cards FAQ
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What will the limit on my card be?
The limit you get will depend on which Topside Visa card you choose and your financial situation. Our limits range from $250 to 30,000.
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What fees do I need to pay?
Our Visa cards have no annual fee and no over-limit fee!
Fees you may pay include:
- Balance Transfer Fee: 3% of the transfer or $5, whichever is greater
- Late Payment Fee: up to $20
- International Transaction Fee: 1% of each foreign currency transaction; .80% of each US dollar transaction in foreign countries
- Stop Payment Fee for credit transaction: $32
- Card reissue Fee: $10 per card, one free per calendar year
- Express Card Fee: $50 per request
As long as you pay your minimum balance on time each month, you won't pay a late payment fee – plus you'll boost your credit score!
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What rates will I get?
The annual percentage rate (APR) you get for your Visa card will depend on which card you choose and your credit score. If you pay your balance off in full each month, you won't have to pay any interest!
Secured cards usually come with higher rates than unsecured cards. Once your credit has improved, you can qualify for an unsecured card with lower rates.
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What protections will I have?
Visa cards come with enhanced fraud protection. You'll have zero liability if your card is used to make unauthorized transactions. Just be sure to report your card lost or stolen as soon as possible.
My Cards lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device.
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Can I transfer my balance from another credit card issuer or financial institution?
Yes, you can! We're happy to help you get on top of your debt with lower rates and personalized member services. You'll need to pay a balance transfer fee of 3% of the transfer or $5, whichever is greater.
The annual percentage rate (APR) you get for your Topside credit card will be the same for balance transfers, cash advances, and all your purchases.
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Do I need to be a member of Topside Federal Credit Union to apply?
Yes, you do – and joining is easy. Become a member and find out more about what we have to offer!
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How do I know which Visa credit card is right for me?
It depends on your overall financial situation and spending habits. Do you want a simple card to handle everyday purchases, a low-interest, high-limit card to help afford large ticket items, a card with cash rewards for daily spending, or a secured credit card that helps you build or rebuild your credit report with major credit bureaus?
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Can I set up automatic payments?
Yes, it’s easy to set up automatic payments for your Topside FCU Visa credit card using our online banking service or mobile banking app.
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How long does a balance transfer take?
A balance transfer moves debt from one credit card to another, allowing you to take advantage of better rates or higher credit limits with just one due date. Balance transfers typically take from a few business days to two weeks. Learn more about how to transfer a balance to a Topside FCU Visa Card here.
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Can I use my Visa credit card for purchases online and in stores?
Yes, your Topside FCU Visa credit card can be used anywhere Visa is accepted, making it a convenient option for everyday purchases, travel, and online shopping.
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Will using my credit card help me build credit?
Responsible use of any credit card, such as making payments on time and keeping balances manageable, can help you build or strengthen your credit profile over time.
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What should I do if my credit card is lost or stolen?
Contact Topside FCU as soon as possible if your card is lost or stolen so we can help protect your account and arrange a replacement card.
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Can I pay off my credit card balance early?
Yes, you can make extra payments or pay off your balance at any time to reduce interest charges and manage your debt more effectively.
Protect Your Loan with Credit Protection
Approximately every 7 seconds, a working-age American suffers a disabling injury or illness that’ll last for at least one month (source: https://disabilitycanhappen.org/), and nearly 90% aren’t work-related and therefore NOT covered by workers' comp (source: National Safety Council). If this happened to you, would you be able to make it without your paycheck? With credit protection, we can help you keep loans and credit under control.
Life Coverage: designed to reduce or pay off the insured balance of your loan if you die.
Disability Coverage: designed to pay your loan payment up to the contract limit if you become disabled due to illness or injury & are unable to work.
Involuntary Unemployment: designed to pay your scheduled monthly payment up to the contract limit if you become involuntarily unemployed.
More Ways to Borrow
APR = Annual Percentage Rate. APR may vary depending on individual credit history and underwriting terms. View https://www.topsidefcu.org/credit-card-rates for more information.
*Source: wallethub.com/edu/cc/average-credit-card-interest-rate/50841. Percentage reflected is based on the 7.90% APR Visa Preferred card.
**Qualifying purchases do not include cash advances, balance transfers, convenience checks, or returns. Disclosures: https://www.topsidefcu.org/important-credit-card-disclosures
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