Premier Low-Rate Visa
All of the benefits. None of the fees. One exceptional fixed rate.
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Unlock true savings potential with exceptionally low rates on purchases and balance transfers.
You can consolidate higher-interest debt or make new purchases with confidence with F&A’s Premier Low-Rate Visa. Enjoy credit lines up to $25,000 and financial flexibility without the cost and sky-high interest rates typically associated with credit cards. Climb higher and reach your goals faster with F&A’s Premier Low-Rate Visa.
At a glance
- Low, exceptional fixed rates
- No annual fees
- No balance transfer fees
- Free overdraft protection{{overdraft_protection}} on your F&A accounts
- Free fraud protection with a $0 deductible
- No over-limit fees
Apply now via Digital Banking, by calling our Member Contact Center, or in person at one of our branch locations.
Account details
- Hotel theft protection
- Roadside dispatch
- Travel and emergency assistance services
- Emergency medical/dental benefit
- Lost luggage reimbursement
- Emergency evacuation and transportation/repatriation of remains coverage
Premier Low Rate Visa
Save more with our market-leading low rates — an excellent card for anyone who often carries a balance.
APR{{cc_apr}} for purchases
6.90% to 14.50%
APR for balance transfers
6.90% to 14.50%
APR for cash advances
6.90% to 14.50%
Annual fee
$0.00
Credit line
$5,000.00 to $25,000.00
Due date{{cc_due_date}}
At least 21+ days after billing cycle close
Late payment fee
Up to $20
Over the credit limit fee
$0.00
Foreign transaction fee
1% of each transaction in U.S. dollars
Balance transfer fee
$0.00
Cash advance fee
$0.00
Rewards program
No
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FAQs
How high is the credit limit for an F&A Low-Rate Visa Credit Card?
The credit limits for the F&A Low-Rate Visa Credit Card range from $5,000 to $25,000, depending on a number of factors, including the applicant’s credit score.
What should I do if my credit card is lost or stolen?
Report it to F&A immediately to prevent unauthorized charges. Members can do one of the following:
- Call us directly at (800) 222-1226 during normal business hours
- Log in to Digital Banking and navigate to Card Services
- Call (888) 297-3416 for 24-hour card service
Can I make contactless payments with my F&A Visa credit card?
Yes, all newly issued F&A Visa credit cards are enabled for Tap2Pay contactless payments. Learn more about Tap2Pay.
Explore More
Personal Loans
Access this flexible option for any of life’s surprises or as a way to consolidate higher-interest debt.
FICO{{fico}} Score Range
APR{{all_personal_apr}}
FICO 720 and above
7.90%
FICO 680 to 719
9.90%
FICO 620 to 679
13.90%
FICO 619 or less
16.90%
High Yield eChecking
Watch your money grow at a premium rate when you select paperless eStatements.
APY{{apy_checking}} as high as
4.59%
Dividend rate{{dividend}} as high as
4.50%
$10,000+ balance rate
0.25%
Minimum to open
$0.00
Monthly fee
$0.00
Home Equity Line of Credit
Use the equity in your home as a line of credit to make improvements, pay off high-interest debt, or finance higher education.{{heloc}}