Credit Cards


Simplicity and Credit Cards now go together!

Choose from our VISA® Classic Credit Card or Premier VISA®

VISA ClassicPremier VISA
No Annual FeeNo Annual Fee
$10,000 Credit Limit$100,000 Credit Limit
Rewards ProgramCash Back Rewards
Fixed Rate as low as 8.9% APRRate based on Prime as low as 8.25% APR
Free Balance TransfersFree Balance Transfers
Free Cash AdvancesFree Cash Advances
Fixed 2.9% APR Balance Transfer Rate (12 Months)Fixed 2.9% APR Balance Transfer Rate (12 Months)

Our cards offer  EMV chip technology to keep your card more secure. Check out our EMV chip card resource page to learn more about how EMV cards work.

Use your card every time you shop and earn points through our ValueRewards program. You’re automatically enrolled when your card is issued.

Apply Online VISA Classic Application Premier VISA Application

Loans by Phone – 901-332-9232 or 800-833-3544

Restoration VISA® Classic Credit Card

If you are trying to restore your credit after a bankruptcy that has been discharged then our Credit Restoration VISA® card is for you.

Secured VISA® Classic Credit Card

Our secured VISA® card is a great way to establish or reestablish your credit history.