Community credit unions offer a range of credit cards to meet your financial needs, from cash back rewards to low interest rates.
These credit cards often have competitive interest rates, with some as low as 8.90% APR, making them a more affordable option for borrowing.
Community credit unions also offer credit cards with cash back rewards, allowing you to earn money back on your purchases, with some cards offering up to 2% cash back on all purchases.
Whether you're looking to pay off debt or make large purchases, community credit union credit cards can provide the flexibility and financial tools you need.
How to Apply for a Credit Card
Applying for a credit card is easier than you think. To get started, you can call the Member Service Lender at 321.637.3211 (or 1.800.690.2338 outside Brevard).
You can also apply online through the CCU Florida Rewards Credit Card application process. Existing members can use the Mobile App or log in to eBranch Online Banking to pre-fill their personal information.
Prospective members can select the "Join Online" link and provide their personal information, including their Member Number. Leave the Member Number field blank if you're a prospective member.
For additional assistance, contact a Member Service Representative at 321.690.2328 (or 1.800.690.2338 outside Brevard) or send an email to [email protected].
Credit Card Options
Christian Community Credit Union offers a card that "Gives to Missions" program, donating to missions and ministry projects with every purchase.
You can earn CURewards points towards cash back, airfare, merchandise, and more with Christian Community Credit Union's card.
The Mission Aviation Fellowship (MAF) Visa Card helps transform lives while you save money and earn significant rewards.
Every new MAF credit card approved donates $50 to support MAF, and every purchase made with the card makes an additional donation to MAF.
With the MAF Visa Card, you can redeem your points for cash back, airfare, merchandise, and more.
The Christian Community Credit Union's card and the MAF Visa Card offer unique rewards and donation programs that set them apart from other credit cards.
Card Features and Benefits
You can get a credit card with competitive rates for everyday purchases and a maximum credit line up to $20,000. This can be a big help if you need to make a large purchase.
No annual fee is required, which can save you money in the long run. You can shop everywhere Visa is accepted, giving you the freedom to make purchases wherever you want.
A minimum credit line of $200 is available, so you can start building your credit history. You can also manage your card online for free, making it easy to keep track of your spending.
If you're planning to travel, it's a good idea to notify the credit union in advance. This can help avoid any problems with your card and ensure that legitimate purchases are approved.
To stay safe, keep your Visa card account number and the lost/stolen customer service contact number in a safe place.
Using the CCFCU Card App
You can download the CCFCU Credit Card App from the Apple App Store or Google Play Store by searching for "CCFCU Credit".
The app allows you to lock and unlock your card, which is a great feature for added security.
To control your card, simply go to the app and toggle the lock on or off.
With the app, you can also set up customizable alerts and controls, such as setting spending limits, transaction types, and merchant types.
Customizable alerts will keep you informed of all activity on your credit cards.
Going on a vacation? Let the app know where you're headed, and your card will be kept active for your travels.
If you misplace your card, simply head to the app and report it as lost or stolen, providing any necessary details.
Frequently Asked Questions
What credit cards does Community Bank issue?
Community Bank issues Visa Platinum, Platinum Rewards, and Cash Rewards credit cards. These cards offer various benefits for everyday purchases, online shopping, and emergency situations.
What credit score is needed for a credit union credit card?
A credit score of 700+ is generally recommended for credit union credit cards, but some options may be available with lower scores. Check with your credit union for specific requirements and rewards.
Which credit union is easiest to get approved for?
For those with limited or no credit history, Connexus Credit Union is often a good option as it has a relatively lenient approval process. However, approval requirements may still vary, so it's best to check with the credit union directly for specific details.
Is it harder to get a credit card at a credit union?
No, credit union cards are often easier to qualify for. They tend to have more lenient requirements and favorable terms.
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