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Credit Cards

At 1st Choice Credit Union, we offer the MasterCard® Personal, MasterCard® Secured, MasterCard® Gold and the MasterCard® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a 1st Choice Credit Union MasterCard®. You'll enjoy the following benefits:

  • No annual fee
  • 25-day grace period
  • No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)

Please click here to report a lost or stolen 1st Choice Credit Union MasterCard® Classic, MasterCard® Secured, MasterCard® Gold or MasterCard® Platinum credit card.

Click here to view our credit card agreement.

Choose The Plan That Works For You MasterCard® Personal MasterCard® Secured MasterCard® Gold MasterCard® Platinum
Annual Percentage Rate 13.9% 15.9% 10.9% 8.9%
Other Annual Percentage Rate
(cash advance & balance transfers)		 13.9% 15.9% 10.9% 8.9%
Annual Membership Fee NONE NONE NONE NONE
Grace Period for Purchases 25 DAYS 25 DAYS 25 DAYS 25 DAYS
Method of Computing Balance Average Daily Balance (including New purchases)
Minimum Finance Charge NONE NONE NONE NONE
Transaction Fee NONE NONE NONE NONE

Cash Advance Fee: NONE
Over-Credit-Limit Fee: NONE
Late Payment Fee: 5% of payment, minimum $25, if paid ten (10) or more days after due date. Late payments and over-limit transactions violate your MasterCard® account agreement.
Charges incurred by use of the MasterCard® card are due on receipt of the account statement.


Return Check Fee: $30.00
Request for Statement Copy Fee: $2.50
Card Replacement Fee: $5.00