Credit cards

Be a card-carrying member of your community.

A card to fit every lifestyle.

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

Learn more about our cards

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.

No balance transfer or annual fees

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

25-day interest grace period

Same low rate on both purchases and cash advances

$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

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

More Details

Great Rewards

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

More Details

Student/Starter

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

More Details

Secure

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

More Details

Apply Now for Your 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.

Reporting a Credit Card Lost or Stolen

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

Replacing a Damaged Credit Card

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)

Credit Card Disclosures and Information

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
By mail: Community First Credit Union, PO Box 1487, Appleton, WI 54912-1487
Toll free 1.866.273.2328, Monday - Friday 7 am - 6 pm and Saturday 7 am - 1 pm
In person at any of our convenient branch locations.

Visa Card Benefits

Reporting Unauthorized Transactions

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.

How to Complete a Balance Transfer

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.

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.

Are Credit Card Balance Transfers Worth It?

How Long Will It Take to Pay Off a Credit Card?

More Calculators Here

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.

Great Rate Card

Want a great rate? Look no further.

A Community First Great Rate Credit Card 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.

Apply Now

Your best choice when you need to carry a balance.

The low, fixed 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.

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

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

No balance transfer or annual fees

$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	Fixed rate as low as 8.99% APR¹	Variable rate of 15.49%-26.99% APR based on Prime	Variable rate of 13.49%-23.49% APR based on Prime	Variable rate of 14.99%-23.74% APR based on Prime	Variable rate of 12.99%-23.99% APR based on Prime	Variable rate of 13.49%-24.74% APR based on Prime
Annual Fee	$0	Up to $95	$0	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% of transaction, minimum $5
Cash Advance Fee	$5	3% of the amount, minimum $10	5% 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 $40	Up to $40	Up to $40	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 7/15/21. 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
Type	APR¹ (as low as)
MasterCard® or Visa®	8.990

Great Rewards Card

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.

Apply Now

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.

Earn 1 point for every $1 spent*

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

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

No balance transfer or annual fees

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

$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
Type	APR¹ (as low as)
MasterCard® or Visa®	10.990

Student Starter Card

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.

How to Apply

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.

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

Track purchases and tap to pay using your smartphone

$0 liability for fraud and protection from unauthorized purchases

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

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

No balance transfer or annual fees

Competitive rates & terms

Student Starter Credit Card
Type	APR¹ (as low as)
MasterCard® or Visa®	9.990

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.

Secured Card

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.

Apply Now

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:

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

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

No balance transfer or annual fees

$0 liability for fraud and protection from unauthorized purchases

Competitive rates & terms

Secured Credit Card
Type	APR¹ (as low as)
Visa®	15.990

Secured Credit Card FAQs

What do I need to qualify for this card?

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.

Can I convert my secured credit card to a regular credit card?

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. Please contact us to see if you qualify.

When do I get my security deposit back?

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.

Credit cards

Be a card-carrying member of your community.

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.

No balance transfer or annual fees

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

25-day interest grace period

Same low rate on both purchases and cash advances

Works with digital wallets

$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

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

Great Rewards

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

Student/Starter

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

Secure

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

​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.

Tap, pay and you’re on your way.

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

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.

Want a great rate? Look no further.

A Community First Great Rate Credit Card 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.

Your best choice when you need to carry a balance.

The low, fixed 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.

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

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

No balance transfer or annual fees

$0 liability for fraud and protection from unauthorized purchases

Compare our Great Rate card to other cards.

Community First Credit Union

Competitive rates & terms

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.

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.

Earn 1 point for every $1 spent*

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

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

No balance transfer or annual fees

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

$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

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

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.

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.

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

Track purchases and tap to pay using your smartphone

$0 liability for fraud and protection from unauthorized purchases

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

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

No balance transfer or annual fees

Getting your Student Starter Credit Card​

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

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

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.

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:

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

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

No balance transfer or annual fees

$0 liability for fraud and protection from unauthorized purchases

Do you have more questions about credit cards?

Visa Debit Card

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

Looking for a card for your business?

Community First
Credit Union

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.

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.

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.

Getting your Student Starter Credit Card