Credit Cards

Make your online shopping season BRIGHT. Use your eligible 1st CCU Visa debit or credit card online to enter the Cyber Holiday Sweepstakes. Grand PRize $10,000. Click to learn more

Give yourself some credit!

Our Visa Credit Card offers a great rate and you earn Reward points while you shop.

Are you juggling several credit cards with different rates and billing terms? Simplify your life by consolidating your balances onto one card. One card, one rate, one bill per month!

Apply For A 1st CCU Visa Credit Card

display of the front of 1st CCU's credit card design

  • Visa EMV Chip Card
  • 9.40% Annual Percentage Rate (APR) for Purchases
  • 9.40% APR for Balance Transfers
  • 9.40% APR for Cash Advances
  • Earn One Reward Point For Each Dollar Charged
  • No Annual Fee
  • No Cash Advance Fee
  • More Information About Our Visa Credit Card
  • Ability To Pay Your Credit Card Bill Online (Pay immediately or schedule future or automatic payments)
  • Online Credit Card Management via AccessPoint  More About Online Management
  • Free eStatements
  • Design Your Own Card


Important Phone Number For Servicing Your Credit Card:

  • Mon-Fri 8am – 5pm: 608-269-8121 or 608-786-2420
  • Evenings and Weekends: 1-866-820-5786
  • Report Lost/Stolen Card: 1-800-449-7728 

CU Rewards

You earn one point for every dollar you charge on your 1st CCU credit card. There is no limit to the amount of points you can earn. 
  • Redeem points for Merchandise and Travel
  • Double your points when you redeem them for travel by using your credit card for any additional travel needs such as extra tickets, car rental, and hotel accommodations
  • Earn additional points with CU Mall
  • Points expire after five years
  • Redeem Points Here

Note: On the CU Rewards website you may log in with your credit card account number to redeem points OR if you simply want to browse the merchandise they offer the website also provides a link to view the site as a guest

Earn Rewards Faster with CU Rewards Mall

Earn additional points with every purchase made through the Mall. Featuring more than 25,000 online and in-store retailers offering additional points or special discounts.

ATTENTION: OFAC and PSCU block the usage of Debit and Credit cards in certain countries for reasons that may include increased fraudulent activity originating from that country. As of September 2018 swipe transactions from Iran and Cuba are blocked.

Free Purchase Alerts powered by Visa

Now you can keep tabs on your account anytime, anywhere. Near real-time* alerts, free for 1st CCU Visa cardholders. Purchase alerts powered by Visa help you reduce fraud and monitor your spending anytime, anywhere. image of computer monitor and cell phone

You can receive a text message or email shortly after your Visa card has been used. So if there is fraudulent activity, you'll be notified and can act quickly to stop the situation.

Customize transaction alerts to fit your needs when your Visa card is used:

  • For purchases over a specified dollar amount
  • For purchases online, over the phone or through the mail
  • Outside the United States

Alerts are powered by Visa. To start enjoying more protection and peace of mind, SIGN UP FOR ALERTS


*Actual time to receive Alerts powered by Visa dependent on wireless service and coverage within the area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for Alert service may vary by issuer. Additional restrictions apply.