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Visa® Rates and Terms

3.99% APR Introductory Rate*

Transfer your higher credit card balances to your new First Service VISA and pay down the balances even faster with a LOW INTRODUCTORY 3.99% APR for the first 12 billing cycles on purchases, balance transfers and cash advances!  After the first 12 billing cycles from the time your VISA account is open, your balance will revert to a variable rate, currently 12.99% to 17.99% APR.

*Introductory rate not available on Visa Platinum Secured card. We may end your Introductory APR and apply the prevailing non-introductory APR if you are 60 days late in making a payment.

Current Non-Introductory Rates 

effective as of August 1, 2023

VISA Platinum Rewards from 14.99%-17.99% APR
VISA Platinum Low Rate from 12.99%-16.24% APR
VISA Platinum Credit Unions for Kids© Card from 14.99%-17.99% APR
VISA Secured 17.99% APR

All loans on approved credit with a minimum $5 membership share savings account required. Rates will vary based on your credit worthiness. APR is variable and subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and determined by the Prime Rate on the first day of each quarter as published in the Wall Street Journal "Money Rates" table to which we add a margin. Current rates are between 12.99% APR and 17.99% APR . The APR will not be greater than 18.00%. Rates, terms and offers are subject to change or termination.

Rewards Information

The First Service VISA Rewards Program is subject to change. Points are earned on net purchases (purchases minus credits and returns) and are not earned on balance transfers, convenience checks, finance charges, cash advances, fees or purchases that are convertible to cash. Points expire five years from the year in which they are earned.

Example of Rewards point expiration: For points earned anytime in 2021, 2022 would be the second year, 2023 the third, 2024 the fourth and they would expire after 12/31/2024.

First Service Visa Platinum Low Rate, Visa Platinum Credit Unions for Kids, and Visa Secured are non-rewards cards.

Other Fees and Charges 

These Fees Are Common to All Card Products

Annual Fee is $0
Balance Transfer Fee of $5.00 or 3% of the amount of each balance transfer, whichever is greater. Balance Transfer Fee is waived for first 90 days from open date.
Foreign Transaction Fee is 1.00% of each transaction in U.S. Dollars.
Late Payment Fee up to $25.00
Returned Payment Fee up to $25.00
Returned Convenience Check Fee up to $25.00
Statement Copy $5.00
Document Copy Fee $5.00
Rush Fee $25.00
Card Replacement Fee $25.00
Unreturned Card Fee $3.00
Pay-by-Phone Fee $5.00

Information and rates provided are subject to change.

For changes from the date of publication, contact First Service Federal Credit Union at 100 Main Street, Groveport, OH 43125 or call (614) 836-0100 locally or (800) 241-4575 during regular business hours.

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Home & Auto Loans

First Service has loans with a variety of rates and terms.