Personal Credit Cards

Our personal credit cards offer a variety of options to suit just about anyone. We offer a Low-Rate card and a Preferred Points card in Visa® Classic, Visa® Platinum or Gold MasterCard.®*

Low-Rate Cardís Exclusive Benefit

Lower, competitive annual percentage rate (APR)**

Preferred Points Card Exclusive Benefit

Earn one point for each dollar spent, up to 10,000 points per month

  • Redeem rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise (see brochure at our branch)
  • To view or redeem rewards points, visit or call 866.678.5191.


Benefits Available To Both Card Types

  • Low introductory rate for first six months**
  • Same APR** for purchases and cash advances
  • No annual fee
  • Rental car collision damage waiver protection
  • Cash advances for up to 50% of the credit line
  • 25-day interest-free grace period on all purchases, no grace period on cash advances
  • 24-hour, toll-free, live customer assistance available at 800.367.7576
  • Online account information available 24/7 at


To apply, download the PDF application; type in the information required and then print the application (you cannot save the document, so print an extra copy for yourself); or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office. Fax your completed application to the Card Service Center at 877-274-2361.

Or mail your completed application to:
Card Service Center
P.O. Box 569120
Dallas, TX 75356-9120

* Visa® Classic, Visa® Platinum and Gold MasterCard® Preference:

Indicate your preference if you have one; the card issued is subject to credit approval. The Visa Classic card is issued if you qualify for a credit limit of less than $5,000. If you qualify for a credit line of $5,000 or more: youíll receive the choice you indicate, or the Visa Platinum card if†no choice is indicated.

** Please see application for information about current APRs and fees.