First Community Credit Union Visa Gold Credit Card

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First Community Credit Union Visa Gold Credit CardFirst Community Credit Union, or FCCU, offers a Visa Gold credit card. It’s a low interest credit card with additional benefits.

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FCCU Visa Gold Benefits

The FCCU Visa Gold credit card is a standard credit card open to those FCCU members who do not qualify for the FCCU Visa Platinum Preferred or FCCU Visa Platinum credit cards. There is no rewards program attached to this card.

The FCCU Visa Gold card offers a low 8.9% APR. There are no annual fees, no balance transfer fees, and no cash advance fees. There’s a 25-day grace period on credit card usage, so you’ll never be charged interest if you pay your balance off each month.

With the First Community Credit Union Visa Gold, you’ll also be eligible for up to $400,000 in travel accident insurance. Just pay for your gas, hotels, or airline tickets with the Visa Gold card, and you’re automatically eligible.

FCCU Visa Gold requires FCCU Membership

In order to apply for the FCCU Visa Gold card, you must become a member of First Community Credit Union. This credit union serves the people of St. Louis and the following Missouri counties:

  • St. Louis
  • Franklin
  • Jefferson
  • St. Charles
  • Warren

Residents of Madison, Monroe, and St. Clair counties of Illinois are also eligible for membership. Family members of other members may also apply.

Many people find the community feeling of a credit union more to their liking than a bank. According to the National Credit Union Administration (NCUA) MyCreditUnion.gov website, because credit unions are member owned, non-profit financial institutions, they approach account holders differently. Since the members own them, credit unions go out of their way to have unmatched customer service.

Credit union membership has other benefits as well. They offer many of the same products as a bank, like savings and checking accounts, CDs, automobile loans, and mortgages. However, because the members are also the shareholders, they receive the dividends from any profits made by the credit union.

Loan rates also tend to be lower than bank rates while yields from investments tend to be higher.

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