Overview
We offer a special introductory rate of just 1.9% APR* on purchases and balance transfers for the first six billing cycles. After that, you pay just 8.9% APR*! Without paying annual, balance transfer, or cash advance fees, you can reach your financial goals faster than you can say, “I should get a Platinum Card.” View Visa Line of Credit Pricing Information
Contactless Cards
Pay with a tap of your debit or credit card for quick, secure transactions!
Competitive Rates
Pay Less and Reduce the Stress
Paying off credit card debt can come with a lot of stress, but it doesn't have to. When you're a Visa® Platinum Credit Card holder, you can rest assured you're getting a fantastic value that won't add unnecessary stress due to an inflated rate. Get a special low introductory rate of 1.9% APR* on purchases and balance transfers for the first six billing cycles. After that, you'll enjoy a competitive 8.9% APR* - much lower than the 21.5% average rate on a bank credit card.**
Higher Balance Than Our Visa® Classic Card
Over $5,000 balance
With a low rate to go with it!
Rates
View all RatesI was explained everything I needed to know about what I was getting myself into doing debt consolidation. They had the best rates around and made it quick and easy for me to get approved!
Why Choose Us?
We’re kind of like a family, only we’re a credit union
A lot of places say they treat you like family. At Fibre Federal Credit Union and TLC, we take it seriously. We’re the people you see at the grocery store and around town. We know you. We know your needs. We’re a part of your community and your family.
Better rates + low fees = happy members
When you become a member of the Fibre Family, you become an owner. We offer better rates and low fees to satisfy the people who matter most to us — people like you.
In person, virtual, or online
We love seeing you face-to-face. But if you prefer, you can give us a call, visit a virtual representative at one of our ITMs (Interactive Teller Machines), or bank online. It’s your choice, depending on how social you feel!
Your home is our home, so we like to keep it nice
We support our communities with programs, sponsorships and volunteer opportunities to make our community a better place to live.
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1
Apply online
It takes only minutes to fill out the online application.
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2
Upload or provide us a copy of your statement at another institution.
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3
We'll take it from there
If approved, we'll send a check to the other institution and apply the balance to your new Visa® Platinum Card.
Low rates, high credit limit
Get low rates and no additional fees, with a high limit you've earned.
NOT SURE IF YOU'LL QUALIFY FOR VISA® PLATINUM?
Visa® Classic Credit Card
While Visa® Platinum comes with the best features, rates, and credit limits, it's a little easier to qualify for Visa® Classic if you're building your credit score. Still, we recommend applying for Visa® Platinum first. Then, if you don't quite qualify, Visa® Classic is a great option. Check it out.
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*Rate effective as of 5/1/17 and subject to change without notice. Subject to credit approval. The 1.9% Introductory APR (Annual Percentage Rate) on purchases and balance transfers applies for the first six billing cycles and does not apply to future purchases or cash advances. At the end of six billing cycles the APR will be 8.9%. Introductory rate may not be used to pay existing Fibre Federal loans or credit card debt. All 1.9% balance transfers will be classified as “purchases” under our Visa Card Agreement.
** Source: Federal Reserve Feb. 2024
All Rates
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
Revolving |
$30,000 |
8.90% |
*Annual Percentage Rates effective April 19, 2024 and subject to change without notice.
| Maximum Terms | Maximum Financed | APR* |
|---|---|---|
|
Revolving |
$20,000 |
10.50% |
*Annual Percentage Rates effective April 19, 2024 and subject to change without notice.
| Fees | Details |
|---|---|
|
Grace Period for Purchases |
You have one billing cycle (average 30 days) from the closing date of the statement to repay your balance for purchases before being charged a finance charge. |
|
Grace Period for Cash Advances |
There is no grace period for Cash Advances. Finance charges start accruing from the date of the transaction. |
|
Annual Percentage Rate/Periodic Rate |
10.5% Annual Percentage Rate/.028767% Periodic Rate |
|
Balance Calculation Method for Finance Charges |
Average Daily Balance (including current transactions) |
|
Membership Fees |
No Annual Membership Fee |
|
Late Payment Fees |
Up to $20 |
|
Card Replacement Fee |
$10 |
|
Returned Check Fee |
$15 |
|
Transaction Copy Retrieval |
$20 |
|
Telecommunications Charges |
Any fees assessed for international authorizations obtained by telephone, fax, telex, and cable will be passed onto the cardholder in the form of a fee. |
More Features
Get cash back at 1.8 million ATMs
Any ATM with the PLUS logo - over 200 countries and territories around the world.
Skip a payment once a year
Need extra cash? Skip your payment for a $25 fee.
24/7 Card Care Center
Call us any time and select the option for Card Services and Travel Notifications.
Credit Limit over $5,000
Enjoy a higher limit than our Visa Classic Card so you'll be better prepared for surprise expenses.
Membership Status
Are you a member of our credit union?
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.49% |
0.50% |
Rate is effective April 19, 2024 and is subject to change.
Also see terms for accounts.
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