Credit Cards

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

Personal Card - Low Rate

Benefits

  • Competitive annual percentage rate (APR).*
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees

Personal Card - Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Features

  • No annual fee.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Cash advances can be made for up to 50% of the credit line.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.

Fees

To Apply
  • Download the PDF application. Complete the application and print two copies, one to submit and one to retain for your records.  Or you can print the application and complete it by hand. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 972-650-7054.
  • Or mail your completed application to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120
View Credit Card Comparison
*Please see application for information about current APRs and fees.

Frequently Asked Questions

I have questions about a charge on my Credit Card.

For the best service, please call the number on the bank of your credit card.

Don't Be Shy

If we didn’t answer all of your questions, feel free to drop us a line anytime.

 

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