Premier Rewards

F&A's Premier Rewards Visa® program might give you the best of both worlds - low rates and rewards! As an F&A Premier Rewards VISA cardholder you'll enjoy:

  • A rate as low as 8.90% APR**
  • Credit lines ranging from $5,000 up to $25,000
  • 21 day grace period (Purchase Only)
  • No Annual Fees
  • No Over Limit Fees
  • No Cash Advance Fees
  • Free Overdraft Protection
  • No-cost Fraud Protection with $0 deductible

For more information on Extra Rewards or to access Extra Awards, log into Online Banking, click the All Services tab, then click Visa Points.

Other Premier Rewards VISA® benefits:

Auto Rental Collision Damage WaiverAuto Rental Collision Damage Waiver (PDF)
Hotel Theft Protection (PDF)
Emergency Evacuation and Transportation/ Repatriation of Remains Coverage (PDF)
Lost Luggage Reimbursement (PDF)
Emergency Medical/ Dental Benefit (PDF)
Travel and Emergency Assistance Services and Emergency Assistance Services (PDF)

Note: These documents are in PDF format and require Adobe Acrobat Reader to view.
If you don't have this software, you may download it free.

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

To apply, go to Online Banking, click All Services and select New Loan Application. You can also 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% to 15.90%
when you open your account, based on your creditworthiness.
APR for Balance Transfers 6.90% to 15.90%
APR for Cash Advances 6.90% to 15.90%
Penalty APR and When it Applies None.
Paying Interest Your due date is at least 21 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
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
Annual Fee None
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction

of each transaction in U.S. dollars
Penalty Fees
• Late Payment
• Returned Payment
• Over the Limit

Up to $20
Up to $5 

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.

*Earn points for cash, travel, or gifts with the Rewards VISA

*The signature of a co-signer who has attained the age of 21 and has a means to repay debts incurred in connection with the Account before the primary borrower 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. 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.


For Them it’s Business. For Us it’s Personal. Call us today at 800-222-1226.