Student Services » Visa® Student Credit Card
Visa Student Credit Card
Our focus is serving campus communities. Our mission is to provide our college-age members with the building blocks to begin a life of financial responsibility. We educate students to budget and plan for expenses through seminars, in-person in our branches and online with articles and e-newsletters.
Our Visa Student Credit Card1 is a way to start building credit responsibly.
Our card offers:
- No annual fee
- Low rates
- Reasonable credit limits
- Online bill payment
- No previous credit history needed
We encourage students to use their credit card for small necessities they have previously budgeted for or for emergencies. Using a credit card builds your credit history. Having good credit history can help you down the road with vehicle and home purchases, without the need for a cosigner.
* APR is Annual Percentage Rate. The ANNUAL PERCENTAGE RATE (APR) is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for VISA Student, VISA Platinum, VISA Platinum Rewards and VISA Platinum with Cash Rewards cards is based on certain creditworthiness criteria. The APR is subject to change monthly on the first day of the billing cycle to reflect any change in the index. We will use the index value from the first day of the billing cycle month to implement the rate change. Any increase in the APR will result in additional payments of the same amount until what you owe has been repaid. Balance Transfer and Cash Advance Options: We will begin charging interest on Balance Transfers and Cash Advances from the transaction date. Interest rate is based on your current APR for purchases. No transaction fee for Balance Transfers. Cash Advance Fee waived for transactions made in Web Branch. For Cash Advances made at an ATM or a branch, there is a $2 fee. Application & Solicitation Disclosure
1 A cosigner may be necessary if you are under age 21 and your annual income is less than $2,000.