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First City has great rates and high quality personalized service.

Don’t fall for credit card gimmicks like points, miles and rewards.  First City’s Visa is a straightforward credit card with great rates and features. We dare you to compare because there is no comparison.

Compare Your Credit Card
  First City Visa Other Credit Cards
Balance Transfer Fee $0 As high as 4% of
amount transferred
Cash Advance Fee $0 As high as 4% of
amount transferred
Rate on Purchase vs.
Cash Advances
Same Often more than double purchase rate
Lowest Rate 9.25% to 18.00%APR* Usually 15% or higher
(check your current rate)
Service Friendly, personalized credit union service Good luck!

Based on a periodical survey of leading credit card issuers

Choose the right First City Visa Credit Card for you:

Visa Secured Visa


  • Rates as low as 9.25% to 18.00% APR*
  • No annual fee
  • No cash advance fee
  • A true 25-day grace period on purchases


  • 7.25% APR*
  • Secured by the balance in your Regular Savings Account – Earn dividends on your savings, automatically qualifies you for the Visa Card
  • No annual fee
  • No cash advance fee
  • Establish or re-establish credit
  • Or simply qualify for a lower rate
  • Up to $15,000 Credit limit
  • First City’s Share Secured Visa enjoys all of the other Perks and great service that comes with our premier card
Plus, enjoy a long list of benefits. Here’s what you get:



  • Travel Insurance, up to $500,000.
  • Auto Rental and Collision Damage Repair.
  • Travel and Emergency Assistance Services.
  • Warranty Manager Service.
  • Personal ID Theft, up to $15,000.

Certificate balances cannot be used to secure a credit card.

*APR=Annual Percentage Rate, rate is variable based on prime rate

Visa Credit Card Rates

Interest Rates and Interest Charges
VISA Credit CardShare-Secured Visa Credit Card
as low asup to
Annual Percentage Rate (APR) for Purchases9.25% 18.00%7.25%
APR for Balance Transfers9.25%18.00%7.25%
APR for Cash Advances9.25% 18.00%7.25%
Rates are current as of: June 19, 2020APR is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. This APR will vary with the market based on the Prime Rate.

Easy Application

  • Apply for your First City consumer loan 24 hours a day
  • Click on the ‘Apply for a Loan’ button on this page or call (800) 944-2200, ext. 5.
  • Qualified members are approved in minutes.
  • You can also apply at any First City branch during business hours.