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Choosing the right
Community First Card For You...

Compare Our Cards

You'll see it really does pay to have a card where you're an owner.

   

 

Cash Back
Visa Signature®
Great Rate
Visa® or Mastercard®
Great Rewards
Visa® or Mastercard®
Student Starter
Visa® or Mastercard®
Secure 
Visa®
Choose this card if you...

...want to earn cash back on your purchases.

...carry a balance or transfer balances from higher rate cards.

...like to earn a variety of rewards like travel, merchandise, and cash.

...are just beginning to build your credit.

...need a way to help rebuild your credit.

Key Features & Benefits  

Earn unlimited 1.5% cash back on all purchases.

Redeem cash back on demand through Digital Banking. Transfer to your account or apply to your statement.

Includes exclusive Visa Signature Concierge Service and local support in branch and on the phone.

 

Low, fixed APR that doesn't adjust with prime rate changes.

Take advantage of balance transfers at no fee to save money on interest.

Can convert to a Great Rewards card without changing your card or number.

 

Earn 1 point for every dollar spent.

No point limits.

Apply rewards toward flights, hotels, car rentals, electronics, housewares...even cash!

Can convert to a Great Rate card without changing your card or number.

 

Lower APR compared to typical first-time card offerings.

A smaller credit line reduces risk of building up burdensome debt.

On-time payments help establish creditworthiness.

Provides flexibility for situations requiring a card for payment or securing reservations.

 

Lower APR compared to other high-rate borrowing options, such as payday lenders.

Provides flexibility for situations requiring a card for payment or securing reservations.

On-time payments help increase your credit score.

APR (Annual Percentage Rate) Variable rate based on Prime Fixed rate as low as 8.99% APR Fixed rate as low as 10.99% APR Fixed rate as low as 9.99% APR Fixed rate as low as 15.99% APR
Annual Fee $0 $0 $0 $0 $0
Balance Transfer Fee $0 $0 $0 $0 $0
Foreign Transaction Fees None None None None None
Cash Advance Fee 2% of transaction or minimum $10 $5 $5 $5 $5
Late Payment Fee Up to $35 Up to $25 Up to $25 Up to $25 Up to $25
Grace Period on Purchases 25 days 25 days 25 days 25 days 25 days
Other Information Requires credit score of 680+ to qualify. - - Must be 18.
May require co-signer if under 21.
Requires a refundable security deposit equal to the line of credit.
Comparison as of 2024. Fees, terms and rates subject to change without notice. Your credit score determines your actual rate. Other restrictions or qualification terms may apply.