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FRAUD ALERT:  Members have reported receiving phone calls from scammers acting as our Fraud Department, asking for card numbers, PIN numbers, and secure access codes. As a reminder, we will NEVER ask you for this information. If you’re in doubt, hang up and call us at 540-663-2181.

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Cards: Visa Preferred


Visa Preferred Credit Card

Rates as low as

7.90% APR *



A woman sitting outside at a cafe table with a coffee that she purchased with her Topside VISA Preferred credit card


All the Benefits of a Visa Preferred Credit Card


Generous Credit Line

Pay for everything you need and want with a limit between $10,000 and $30,000.

Non-Variable Interest

Relax knowing your low APR will stay the same no matter what happens in the market.

Enhanced Fraud Protection

If your card is lost or stolen, just report the suspicious activity and you'll have zero liability.

Save Money on Fees

We won't charge you an annual fee or over-limit fee, and there's no default rate if you're running late.

See the Competitive Rates on Our Visa Preferred Credit Card

Effective as of 09/19/2023 and subject to change.

  Visa Preferred Credit Card
Credit Amount $10,000 - $30,000
Fees No Annual Fee
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
We also have instant issue credit & debit cards in all of our branches. The card reissue fee applies to these products while the $50 Express Card Fee does not.
Annual Percentage Rate 7.90%
Purchases 7.90%
Balance Transfers 7.90%
Cash Advances 7.90%


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Visa Preferred Credit Card

For people who know what they want and how they will get it, a Visa Preferred Credit Card comes with a generous credit line and premium rates.

Take advantage of a low minimum payment and enjoy the same APR on purchases, balance transfers, and cash advances.

The MyCardRules™ app lets you turn your cards on and off, set spending limits and get alerts, all from your mobile device. What more could you need?

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An aerial view of a person at their laptop holding their Topside VISA Preferred credit card




“Top-level credit union. PERFECT size, large enough to offer competitive loan rates, but small enough to still care about members.”




Enjoy These Great Features of Your Visa Preferred Credit Card

Competitive Rates

We run on a not-for-profit business model so we can give you lower rates and fewer fees.

Easy 24/7 Account Access

Use Online and Mobile Banking to look up details, make payments, transfers, and more.

Up to $30,000 Limit

Starting at $10,000, a generous credit line means you'll always have everything covered.

Low, Fixed APR

You'll pay the same great rate on balance transfers, cash advances, and your purchases.

Affordable Payments

A low minimum monthly payment makes it easy for you to stay on track.

Zero Fraud Liability

You won't be accountable if your card is lost or stolen and used for fraudulent purposes.


Topside Federal Credit Union Contact Options



FAQs About Our Visa Preferred Credit Card



More Useful Visa Products and Services

Visa Account Updater

Merchants can automatically get your new details if your card is reissued, lost, stolen, or compromised.

Learn More

Visa Checkout

Save time when you shop online. Enter your details once, then use a single, secure log-in to make purchases from any device.

Learn More

Visa Check Cards with ScoreCard® Rewards

Get rewards for the everyday purchases you put on your debit card.

Learn More

Balance Transfers

Pay down high-interest debt and enjoy one simple monthly payment at a non-variable rate.

Learn More