close up of man holding credit card and cup of copy near laptop

Credit Cards

Awesome rates, big savings, and simple rewards. We’ve got you.

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  • Telling Girl A Secret

    No Hidden Fees

    No balance transfer fees or annual fees, ever. Who does that?

  • Girl Holding Credit Card

    Safe and Secure

    Visa focuses on security, so you can focus on your finances.

  • Girl Using Laptop

    Convenience and Connectivity

    Link all your Telco accounts together for easy management like payments, overdraft protection and transfers.

  • Apple Pay

    Apple Pay

    Take your Telco Visa with you even if you leave your wallet at home.

  • Giving Out Credit Card

    Instant Issue

    Walk out with your new card the same day! We can print your new Visa in all our branches.

  • Telco Mobile App

    24/7 Access

    Manage your card on the go with free 24/7 account access with Mobile and Online Banking.

  • Best for members who:

    Best for members who:

  • Minimum credit limit

    Minimum credit limit

  • Rate

    Rate

  • Benefits

    Benefits

Visa Gold

  • Best for members who:

    Want the lowest rate possible for maximum savings

  • Minimum credit limit

    $500

  • Rate

    7.90% APR1

  • Benefits

    Transfer balances from high-rate credit cards and save

Visa Cash Back

  • Best for members who:

    Love cash back and rewards

  • Minimum credit limit

    $500

  • Rate

    11.49% APR2

  • Benefits

    Earn 1% unlimited cash back on everything

Visa Secured

  • Best for members who:

    Want to establish or rebuild credit

  • Minimum credit limit

    $500

  • Rate

    7.90% APR1

  • Benefits

    Securely establish or rebuild your credit history with a great rate

Zero. Zip. Nada. We offer no-fee balance transfers for all of our cards.

No, but our gimmick-free credit cards offer something better – low interest rates all the time, no balance transfer or annual fees and no confusing promotional periods.

Cash Back rewards are deposited automatically to your savings every quarter! Don’t worry about requesting a check, logging in to claim anything, or jumping through hoops. We do the work for you!

Premier Interest Checking

If you love our low Visa rates, chances are you’ll flip over our high checking rates. We get excited about it, too! Earn 4.00% APY on balances up to $10,000.

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Mobile Banking

Put the credit union in the palm of your hand (or pocket of your purse) with our Mobile Banking app.

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Disclosures

1 Quoted APR is Telco’s current rate as of August 1, 2019.

All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payment of only 2% of balance or $10 (whichever is greater). Cash advance fee of $10.00 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5.00 per transfer — if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.

2 Quoted APR is Telco’s current rate as of January 5, 2019. Cash Back Card rate is a variable rate tied to prime rate and can be adjusted every year.