Credit cards

Be a card-carrying member of your community.

Young lady saving money.Young lady saving money.

A card to fit every lifestyle.

Find a wallet-worthy, everyday-essential credit card option with the features and benefits you want and need.

 

 

All the features you deserve as a member-owner.

In addition to dedicated local assistance whenever you need service, or want to pay your bill, you’ll receive these other everyday benefits with any of our cards you choose.

 

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No balance transfer or annual fees

online banking

Make payments in Online Banking, over the phone, at a branch, or by mail

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25-day interest grace period

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Same low rate on both purchases and cash advances

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Works with digital wallets

0 liability

$0 liability for fraud and protection from unauthorized purchases

Explore your card options.

Whether you prefer a Visa® or Mastercard®, you’ll find a card with the flexibility and features that are important to you.


 

Great Rate

great rate credit card


A low rate card for the times you need to carry a balance. Enjoy a low rate everyday on your purchases and cash advances.


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Great Rewards

great rewards credit card


Earn one point for every dollar spent with NO LIMIT on the points you can earn. Use points for cash, travel and merchandise.


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Student/Starter

student starter card


Start building your credit responsibly while enjoying the independence that comes from carrying your own card.


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Secure

secure credit card


Everyone deserves a chance. This convenient card can easily help you help establish or re-establish your credit.


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Business Credit Card.

​Looking for a card for your business?

Click here to learn more about how a Community First Visa® Business Rewards Credit Card can help you earn rewards for your company. 

Caring for you and your card.

Please contact us immediately to report your card missing.

  • During business hours (M- F 7:00 am - 6:00 pm; Sat. 7:00 am - 1:00 pm) call 920.830.7200 or 1.866.273.2328 (toll-free)

  • After business hours please call 1.866.820.8847

If wear and tear on your card has made it difficult or impossible to use, you can request a replacement card. Your card number will not change.

  • Visit us in person at any branch location.

  • Call us during business hours (M- F 7:00 am - 6:00 pm; Sat. 7:00 am - 1:00 pm) at 920.830.7200 or 1.866.273.2328 (toll-free)

All terms, including APRs and fees, may change as permitted by law and the Community First Credit Card Disclosure Form. For additional information regarding any Community First Credit Card please contact us.

  • By phone, contact our call center: 920.830.7200 in the Fox Cities,

  • Toll free 1.866.273.2328, Monday - Friday 7 am - 6 pm and Saturday 7 am - 1 pm

  • By mail: Community First Credit Union, PO Box 1487, Appleton, WI 54912-1487

  • In person at any of our convenient branch locations.

What should I do if there is an unauthorized transaction on my credit card?

  • Visit us in person at any branch location.

  • ​Call us during business hours (M- F 7:00 am - 6:00 pm; Sat. 7:00 am - 1:00 pm) at 920.830.7200 or 1.866.273.2328 (toll-free).

  • After hours call 1.800.264.5578 for assistance.
Easily transfer any high-rate credit card balances to your Community First credit card in Online Banking, by calling us or visiting a branch.

Transfer a credit card balance online:
  • Login to Community First’s Online Banking
  • Choose your credit card
  • Select Services & Balance Consolidation

Visit us in person at any branch location.

​Call us during business hours (Mon. – Fri. 7:00 am - 6:00 pm; Sat. 7:00 am - 1:00 pm) at 920.830.7200 or 1.866.273.2328 (toll-free).

 

Tap, pay and you’re on your way.

Your Community First Credit Card works with the digital wallet on your smartphone.

apple pay       |         google pay       |         samsung pay
 

More ways we can help you decide.

Try our helpful calculators about balance transfers and paying down debt. Have more questions? Stop in or call anytime. We're here to help.


This information may help you analyze your financial needs. It is based on information and assumptions provided by you regarding your goals, expectations and financial situation. The calculations do not infer that Community First Credit Union assumes any fiduciary duties. The calculations provided should not be construed as financial, legal or tax advice. In addition, such information should not be relied upon as the only source of information. This information is supplied from sources we believe to be reliable but we cannot guarantee its accuracy. Hypothetical illustrations may provide historical or current performance information. Past performance does not guarantee nor indicate future results.

Want a great rate? Look no further.

A Community First Great Rate Credit Cart is perfect to pay for everyday purchases. And with no balance transfer fees, it's also ideal for paying off high-interest store reward and other cards.
 

 

great rate credit card


Your best choice when you need to carry a balance.

The low, non-variable interest rate for existing balances and new purchases/cash advances will save you money on interest and make it easier to pay down balances faster.

 

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Annual Percentage Rate (APR) as low as 8.99% on purchases and cash advances

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Make payments in Online Banking, over the phone, at a branch, or by mail

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$0 balance transfer or annual fees

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$0 liability for fraud and protection from unauthorized purchases

 

Compare our Great Rate card to other cards.
 

Community First
Credit Union

 Capital One® Associated Bank® Chase® Bank of America® Citibank®
Rates Non-variable rate  as low as

8.99% APR1

 Variable rate of 13.99%-26.99% APR
based on Prime		 Variable rate of 11.99%-22.99% APR
based on Prime		 Variable rate of 14.99%-23.99% APR
based on Prime 		 Variable rate of
13.99%-23.99% APR
based on Prime		 Variable rate of
13.49%-24.99%
APR
based on Prime
Annual Fee $0 up to $95 up to $99 up to $95 up to $95 up to $95
Balance Transfer Fee $0

up to 3% of transaction

 3% of transaction,
minimum $5		 5% of transaction,
minimum $5		 3% of transaction,
minimum $10		 3-5% of transaction,
minimum $5
Cash Advance Fee $5 3% of the amount,
minimum $10		 4% of the amount,
minimum $10		 5% of the amount,
minimum $10		 3% of the amount,
minimum $10		 5% of the amount,
minimum $10
Late Payment Fee up to $25 up to $39 up to $39 up to $39 up to $40 up to $40
Grace Period on Purchases 25 Days 25 days 24-30 days 21 days 25 days 23 days
Comparison of common fees as of 6/10/2020. Fees subject to change. Capital One® is a registered trademark of Capital One Services, Inc. Associated Bank® is a registered trademark of Associated Banc-Corp. Chase® is a registered trademark of JP Morgan Chase & Co. Bank of America® is a registered trademark of Bank of America. Citi® is a registered trademark of Citigroup Inc.
1APR (Annual Percentage Rate)  Your credit score determines your rate. Rates subject to change.


Competitive rates & terms

Great Rate Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®8.99
Effective August 04, 2020
1 APR=Annual Percentage Rate.
Your credit score determines your rate. Rates subject to change.

A rewarding card for “points people.”

Earn one point for every dollar spent with NO LIMIT on the points you can earn! Accumulate your points, then use them for a variety of reward options including cash, travel and merchandise. 

 

 

great rewards credit card
 

The rewards you want. The fees you don’t.

Rack up the points with your everyday purchases and relax knowing
you’ve got a low rate with no balance transfer fees if you need to carry a balance.

 

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Earn 1 point for every $1 spent*

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No annual cap on points (points good for 5 years)

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Make payments in Online Banking, over the phone, at a branch, or by mail

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$0 annual fees

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Annual Percentage Rate (APR) as low as 10.99% on purchases and cash advances

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$0 liability for fraud and protection from unauthorized purchases

*Excludes cash advances, balance transfers and convenience checks. 


 

Turn your points into cash.

Get your cash rewards as credit to your card or a deposit into any account at Community First. 
To redeem your points for cash, call us at 920.830.7200 or visit a branch to complete a redemption form.

 

Cash Rewards Point Values
Cash Reward $25 $50 $100 $150 $250 $300 $400
Points Earned 5,000 10,000 15,000 20,000 25,000 30,000 40,000
               

Your points can also get you things or take you places.

Points can be redeemed for things like airline tickets, travel packages, and merchandise.
For travel reservations or inquiries, call 1.800.637.7728 for assistance.

 

 


Competitive rates & terms

Great Rewards Platinum Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®10.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 

Get started with credit responsibly.

Gain experience handling credit in a secure and responsible way while enjoying the convenience that comes from carrying your own credit card.

 

student starter card

A great way to build your credit score.

Your credit score stays with you wherever you go. This limited line card helps get you started while helping protect you from accidentally racking up debt.

 

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Annual Percentage Rate (APR) of 9.99% - much lower than bank or store card rates

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Track purchases and tap to pay using your smartphone

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$0 liability for fraud and protection from unauthorized purchases

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Available starting at age 18 (may require co-signer if under 21)

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Make payments in Online Banking, over the phone, at a branch, or by mail

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$0 balance transfer or annual fees


Competitive rates & terms

Student Starter Credit Card
TypeAPR1 (as low as)
MasterCard® or Visa®9.99
Effective August 04, 2020
1APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.
 

Getting your Student Starter Credit Card​

Take the quick course and quiz about how credit works and how it impacts your future.

View the Course            ​Take the Quiz
 


Apply online, by phone at 920.830.7200 or by visiting any branch.

​Apply Now ​​
   

The quiz can be completed prior to or following the submission of your application. Your quiz score will not affect your credit eligibility.

student on laptop

Get established with a real credit card.

Unlike a prepaid or debit card, this is a real credit card that helps you establish or re-establish your credit history with the three major credit bureaus.

 

 

establish credit

The responsible way to build or improve credit.

Your secured credit card requires a refundable security deposit matching the approved amount of your line of credit. Other features of this card include:

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Fixed Annual Percentage Rate (APR) as low as 15.99% on purchases and cash advances

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Make payments in Online Banking, over the phone, at a branch, or by mail

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$0 balance transfer or annual fees

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$0 liability for fraud and protection from unauthorized purchases


Competitive rates & terms

Secured Credit Card
TypeAPR1 (as low as)
Visa®15.99
Effective August 04, 2020
1 APR=Annual Percentage Rate
Your credit score determines your rate. Rates subject to change.



Secured Credit Card FAQs

You will need to be at least 18 years of age, have a Social Security number, U.S. address and a membership savings account with Community First Credit Union.

To determine if you qualify for an account, we review the information that you provide, information in your credit report, as well as other information we may have about your creditworthiness.
By using credit responsibly across all your credit cards and loans, including at Community First Credit Union and others, you may qualify to convert to an unsecured card. We review your credit card account periodically to see if you qualify.
If you pay your balance in full and close your credit card account, we'll release your security deposit. We'll also return your security deposit if your card is converted to an unsecured card after review.

Do you have more questions about credit cards?


Visa Debit Card

Visa Debit Card

Convenient way to make every day purchases.
Banking On the Go

Banking On the Go

Anywhere banking for your 'on the go' life.
Home Owners Xpress

Home Owners Xpress

Quick and easy to get same day money.
Vehicle Loans

Vehicle Loans

Flexible terms and options to get the low payment you want.