We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards.

Personal Card – Low Rate 

Features

  • No annual fee.
  • Low introductory rate for the first six months.1
  • Competitive ongoing APR. 1
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Online account information available 24/7 at cardaccount.net.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Car rental insurance coverage and a host of extraordinary Mastercard®
  • Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

Personal Card – World/Preferred Points Rewards

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months. 1
  • Competitive ongoing APR. 1
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Online account information available 24/7 at cardaccount.net. 

Benefits

  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Car rental insurance coverage and a host of extraordinary Mastercard benefits.
  • Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

 Fees

 

To Apply Now:

  • Download the PDF application
  • Enter the information 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 877-809-9162, or mail your completed application to: Card Service Center, PO Box 569120, Dallas, TX 75356-9120.

 

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

 

Looking for Credit Card options for your business?  Click here for Business Credit Cards 

 

 

Debit Card Alerts

Protect yourself from fraud with Debit Card Alerts! Select what alerts you’d like to see and you’ll get a text as soon as suspicious activity occurs. Register Here.

Lost or Stolen ATM/Debit Card

If your ATM or Debit card is lost or stolen, please contact us immediately at (636) 937-5351. After regular business hours, please call 1-800-523-4175.

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