First Community Credit Union Visa Classic Credit Card

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First Community Credit Union Visa Classic Credit CardThe First Community Credit Union, or FCCU, Visa Classic credit card is a no-frills, basic credit card. There are no rewards points to keep up with, no cash back system, and not a lot of perks.

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FCCU Visa Classic Basics

First Community Credit Union has many credit cards from which to choose. Some, like the FCCU Visa Platinum Preferred credit card, have extras like a credit card concierge service and rewards program. Others have low interest rates but are harder to qualify for.

The FCCU Visa Classic was designed for those cardholders who don’t want to keep up with all the extra programs. It’s also designed for those who regularly pay their credit card balance off each month, and just need a convenient way to pay for things online. It’s the easiest of the Visa credit cards to get from First Community Credit Union.

The FCCU Visa Classic has no annual fee, cash advance fee, or balance transfer fee. The interest rate is 15.9%. The grace period of 25 days is perfect for those who don’t carry a balance.

The only perk associated with the FCCU Visa Classic is $250,000 in travel accident insurance. Simply use the card to book your travel plans. You don’t have to do anything else to be eligible.

Becoming a Member of FCCU

To receive the FCCU Visa Classic, or any other FCCU products, you’ll have to be a member of First Community Credit Union. Membership is restricted to those who live, work, volunteer, or worship in St. Louis and the Illinois and Missouri counties surrounding it.

Created during the Great Depression, credit unions provide a community oriented alternative to banks, says the National Credit Union Administration. While banks must focus on making enough profit to satisfy shareholders, credit unions, as not-for-profit organizations, can focus on what the members need.

This makes credit union rates very competitive. Rates on credit cards and loans are generally lower than similar products from banks. Members also usually express higher satisfaction with customer service.

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