With four different credit card choices available, First Federal Savings and Loan Association of Charleston has most if not all of the options that you require in a credit card. First Federal offers a Visa Card, a MasterCard, a Gold MasterCard and a reward credit card known as the Cash Back Score Card. While this review will focus on the basic MasterCard, there are additional options available if you find this card does not have what you are looking for.
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First Federal Savings and Loan MasterCard Details and Rates
With a low introductory annual percentage rate of 7.15%, as well as a $0 annual fee, the MasterCard from First Federal is a credit card with a low interest rate that is easy to manage. In addition, no minimum interest charge and a long grace period allow you to pay off the credit card each month with no interest charges.
While the annual percentage rate for cash advances is the same as the purchase rate, First Federal does charge a maximum fee of $50 for each balance transfer that is completed. The total amount is based on the amount you are transferring, and cannot be lower than $3.
Balance transfers can be very helpful, especially if you are carrying a credit card with high interest. However, be careful not to transfer a balance and then run up the balance on the old card that will turn into two credit cards with high balances.
You can get overall satisfaction ratings from customers on credit cards, including award-winning cards based on terms, benefits, and rewards by going to the JD Power website
Other Banking Services Available with First Federal Savings and Loan
In addition to credit cards, First Federal S & L of Charleston offers complete banking services, including checking accounts, savings accounts, mortgages, auto loans, retirement planning, and business banking services.
There are more than 10 branches located through South Carolina, and three of them are open at least six days per week, with one maintaining hours all seven days.
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- First Federal Savings and Loan Association of Charleston Visa Credit Card
- GENCO Federal Credit Union Gold MasterCard Credit Card
- First Federal Savings and Loan Association of Charleston Gold MasterCard Credit Card
- First Federal Savings and Loan Association of Charleston MasterCard Business Credit Card
- Savings and Loan Association
- United Workers Federal Credit Union Credit Card
- Members Heritage FCU MasterCard Credit Card