Did you know our interest rates are 13% lower than the average credit card?*
Visa Credit Cards
Access the spending power you need with the Visa credit card to suit your lifestyle! With low, non-variable rates and no annual fee, you can feel financial security in your pocket while building your credit.APPLY NOW
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.
Relax knowing you have zero liability if your card is lost or stolen and you report it right away.
Visa Credit Card
If you want to control spending with a low interest rate, this is the credit card for you. Enjoy line amounts of $500 to $10,000 on top of many convenient features.Learn More
Visa Preferred Credit Card
If you want a generous credit line and a premium rate, this card has your name on it. It offers the same features as our Visa Credit Card plus credit lines from $10,000 to $30,000.Learn More
Visa Cash Back Credit Card
Enjoy a credit limit between $5,000 and $30,000 and reward yourself with 1.5% cash back on qualifying purchases! The cash goes into your prime share account every quarter.**Learn More
Share Secured Visa Credit Card
If you need to establish or repair your credit, all you need to do is make timely payments on your secured credit card. A credit line of $500 to $6,000 is backed by your savings.Learn More
See Our Low Credit Union Credit Card Rates!
Rate as of: 01/31/2023 and subject to change
|CARD TYPE||RATE TYPE||APR* AS LOW AS||ANNUAL FEE||BEST FOR|
|Visa Credit Card||Non-Variable||9.90%||No||People who want a no-fuss, low-interest credit card|
|Visa Preferred Credit Card||Non-Variable||7.90%||No||People who want a higher credit limit with our lowest rates|
|Visa with Cash Back Credit Card**||Non-Variable||13.49%||No||People who want to earn cash rewards on purchases|
|Share Secured Visa Credit Card||Non-Variable||9.72%||No||People who want to establish, build, or repair their credit|
“Top-level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”
Credit Union Credit Cards FAQ
Annual percentage rate 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.
Visa Check Cards with ScoreCard® Rewards
Get rewarded while saving time and ink using this convenient card 24/7!
Visa with Cash Back
Kick back and reward yourself with 1.5% cash back.
If you want a generous credit line and a premium rate, this card has your name on it. It offers the same features as our Visa Credit Card plus credit lines from $10,000 to $30,000.
If you want to control spending with a low interest rate this is the credit card for you. Enjoy line amounts of $500 to $10,000 and numerous convenient features.
Visa Share Secured
If you need to establish or repair your credit we have the solution.
Visa Account Updater
Did you get a new credit or debit card number? Merchant updates couldn't get any easier, with Visa Account Updater!
Pay online the easier way with Visa Checkout and your Topside FCU Visa card.
High credit card balances got you stressed? Transfer & save today! No worries, our rates don't go up for balance transfers.