Premier Low-Rate Visa
All of the benefits. None of the fees. One exceptional fixed rate.
Apply Now
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
- No Fee 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}}