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Cards

 

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.

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A woman is holding her Topside credit card and checking her phone.

 

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.

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.

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A happy woman in a cafe reaches for her Topside VISA Cash Back credit card.

 

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.

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Deciding where to travel with topside preferred credit card

 

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.**

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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.

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See Our Low Credit Union Credit Card Rates!

Rate as of: 10/04/2022 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.”

-Ponderscythe.

 

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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.

**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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Visa Check Cards with ScoreCard® Rewards

Get rewarded while saving time and ink using this convenient card 24/7!

Woman buying lunch with topside rewards card

Visa with Cash Back

Kick back and reward yourself with 1.5% cash back.

Deciding where to travel with topside preferred credit card

Visa Preferred

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.

buying coffee with topside fcu classic credit card

Visa

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.

Woman shopping on laptop with a card

Visa Share Secured

If you need to establish or repair your credit we have the solution.

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Visa Account Updater

Did you get a new credit or debit card number? Merchant updates couldn't get any easier, with Visa Account Updater!

Man paying with credit card on laptop

Visa Checkout

Pay online the easier way with Visa Checkout and your Topside FCU Visa card.

Topside fcu credit cards

Balance Transfers

High credit card balances got you stressed? Transfer & save today! No worries, our rates don't go up for balance transfers.

To request a copy of your credit card agreement, please call us at 540-663-2181 and ask for card services or click here to send us an email request. *Do not include personal information in your request (account numbers, Social Security Number or other sensitive information). 

We will provide the requested agreement within a reasonable time frame, not to exceed 30 days.

If you are traveling overseas, please give us a call so we can note your account.  Overseas charges, depending on the country can be automatically denied.  Call us if you have any questions at 540-663-2181.