F&A's Premier Low Rate Visa is the ultimate in low rate. Accepted worldwide, it's the perfect card to use to pay off other debt or make purchases.

  • Rate as low as 6.90% APR*
  • Credit lines ranging from $5,000 up to $25,000
  • 21 day grace period (Purchase Only)
  • No Annual Fees
  • No Balance Transfer Fees
  • No Over Limit Fees
  • No Cash Advance Fees
  • Free Overdraft Protection
  • No-cost Fraud Protection with $0 deductible

Other Premier Low Rate Visa benefits:

Traveling outside the US? Be sure to check the fraud prevention safeguards we've put in place.

Ready to apply? Login to Online Banking and click All Services and select New Loan Application.

Have questions? Call us at 800-222-1226 or visit one of our branches.

Important disclosure information, please read!

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases 6.90-14.50%
APR for Balance Transfers 6.90%-14.50%
APR for Cash Advances 6.90%-14.50%
Penalty APR and When it Applies None.
Paying Interest Your due date is at least 21 days after the close of each billing cycle. There are no interest charges on this account.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees

Annual Fee
None

Transaction Fees

Balance Transfer
None
Cash Advance
None
Foreign Transaction
1% of each transaction in U.S. dollars

Penalty Fees

Late Payment
Up to $20
Returned Payment
Up to $5
Over the Limit
None

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Billing Rights: Any information on my rights to dispute transactions and how to exercise those rights is provided in my account agreement.

Loans Quoted are APR (Annual Percentage Rate). Rates and Terms are subject to change without notice.

To apply, please contact the Operations Support Specialist at at 800-222-1226 or visit our Monterey Park branch.

APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change.

*The signature of a co-signer who has attained the age of 21 is required. Otherwise, the borrower must submit proof of their independent ability to make the required payment arising from the proposed extension of credit in connection with the account. Requires a minimum $2,500 monthly income. Other restrictions may apply.

APR= Annual Percentage Rate. Other terms and conditions may apply, ask for details. Rates are accurate at time of publication. All rates subject to change. Your actual rate is determined by your credit score and VISA card type.