Credit Cards

Choosing the right credit card is like finding your car in the mall parking lot after a long day of shopping. It can be done, but you may need some help. That's why we've partnered with Elan™ Financial Services to offer five great personal credit card options for our members.

FIVE CREDIT CARD OPTIONS

So you can get what you really want


MASTERCARD® PLATINUM CARD

Pay Down Balances.

  • Pay down your other credit card balances faster with a great low introductory rate for an extended time.
  • Save on interest.
  • Non-Rewards.

more info / apply online

 

MASTERCARD® MAX CASH PREFERRED CARD

Choose Where You Earn The Most Cash Back.

  • 5% cash back on the first $2,000 of combined quarterly purchases in two categories like: TV, Internet & Streaming Services, Home Utilities, Cell Phone Providers and more!¹
  • 2% unlimited cash back on choice of one everyday category like Gas Stations & Ground Transportation, Restaurants & Food Delivery and Grocery Stores & Grocery Delivery.
  • 1% unlimited cash back on all other eligible purchases.
  • Redeem Cash Back for a Statement Credit, Rewards Card, or a Deposit to a Qualifying Account.¹
  • $150 cash back after you spend $500 in the first 90 days.² 

MASTERCARD® REAL REWARDS CARD

Rewards To Use the Way You Want.³ 

  • Earn 1.5 points for every $1 you spend on eligible purchases (equal to 1.5% cash back).
  • No cap or limit on the number of points you can earn, and you have five years to redeem for rewards.³
  • 2,500 bonus rewards points awarded after your first purchase. 

MASTERCARD® COLLEGE REAL REWARDS CARD

Build Your Credit.

  • Earn 1.5 points for every dollar you spend on eligible purchases.
  • No cap or limit on the points you can ear, plus you have five years to redeem points for rewards.³ 
  • 2,500 bonus rewards points awarded after your first purchase⁵, redeemable for $25 cash back, merchandise, gift cards or travel savings. 

more info /   apply online


MASTERCARD® SECURED CARD

Build Your Credit

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history⁶, here's a great way to begin that process. 
  • Enjoy the convenience of credit, including the option to carry a balance.
  • Earn interest on the money in your secured savings account. 

more infoapply online


Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
1 Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.
2 If you’re approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.
3 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.
4 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
5 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.
6 Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Mastercard International Incorporated. Mastercard is a
registered trademark, and the circles design is a trademark of Mastercard International Incorporated.