First Community Credit Union Visa Platinum Credit Card

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First Community Credit Union Visa Platinum Credit CardThe First Community Credit Union Visa Platinum credit card is a low interest option offered by First Community Credit Union. You must be a member of FCCU to apply for this card.

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FCCU Visa Platinum Benefits

Unlike the Visa Platinum Preferred credit card also offered be FCCU, the Visa Platinum does not have a rewards program. However, it still has plenty of perks, some not available with the Preferred card.

Most importantly, the FCCU Visa Platinum has an extremely low APR of 7.9%, while the Platinum Preferred card has an 11.9% interest rate. There’s also no annual fee. The Preferred card charges a $19 annual fee. You’ll also never be charged a cash advance fee or a credit card balance transfer fee.

However, the FCCU Visa Platinum card is still a premier card. Thus, you’ll also have perks like up to $500,000 in travel accident insurance. Just make sure you pay for your travel with your FCCU Visa Platinum card.

Membership in First Community Credit Union

Credit unions by their very structure must be exclusive. As explains, the membership of any given credit union is specific to either a geographic location, members of a certain profession, like educators, or even to employees of a specific business.

First Community Credit Union is open to residents and people who work:

In Missouri:

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

In Illinois:

  • Madison County
  • Monroe County
  • St. Clair County

Family members of these residents are also eligible.

Why choose a credit union?

A credit union offers many of the same products as a bank. However, a bank is owned by a group of shareholders who want to see profits high so they can receive higher dividends.

A credit union is owned by its members, those who have accounts with the credit union. When profits are made, the members receive the dividends. This also makes credit unions strive to keep yields high on interest bearing accounts and rates on car loans and credit cards low.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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