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Reward yourself with a low fixed rate credit card 

If you are looking for a card with excellent benefits and a low rate, look no further.

Benefits included with our credit cards:

 
  • No Annual Fees

    We have your back, never pay an annual fee with any of our cards.

  • Low Fixed Interest Rates

    Unlike most of our peers, we have low and competitive fixed interest rates, that could save you money in the long run.

  • No Balance Transfer Fee

    To show our appreciation, we never charge a fee to transfer an existing balance to any of our credit cards.

  • Fraud and Transaction Monitoring

    Using the latest and greatest fraud prevention systems, we will monitor your accounts for fraud and unusual transactions.

  • No Cash Advance Fees

    Our card does not have a cash advance fee, which gives you added convenience.

Platinum VISA® Credit Cards

One of our most popular cards, earn rewards with every purchase, and our lowest everyday purchase rate.

Gets all the benefits with no annual fee: $0

Rate: 7.90% Fixed APR1

Introductory offer

3.90% Introductory APR for a period of six billing cycles. After that, your APR will be 7.90% APR.

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Gold VISA® Credit Cards

Earn rewards on every purchase, with a low and competitive fixed interest rate on everyday purchase rate.

Gets all the benefits with no annual fee: $0

Rate: 8.90% Fixed APR1

Introductory offer

4.90% Introductory APR for a period of six billing cycles. After that, your APR will be 8.90% APR.

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Apply Now

Classic VISA® Credit Cards

Another excellent option if you are looking for a low and competitive fixed interest rate on everyday purchase rate.

Gets all the benefits with no annual fee: $0

Rate: 9.90%-10.90% Fixed APR1

Introductory offer

5.90%-6.90% Introductory APR for a period of six billing cycles. After that, your APR will be 8.90%-9.90% APR.

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Apply Now

Secured VISA® Credit Cards

An excellent option to build or repair your credit that has a fixed and competitive interest rate.

Gets all the benefits with no annual fee: $0

Rate: 7.90%-18.00% Fixed APR1

 

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Why Transfer Your Balance?

A balance transfer involves moving debt from one or more credit card accounts to a single credit card.  Doing a balance transfer can allow you to consolidate payments and may ultimately lead to a lower interest rate and payment which may save you money.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Low fixed and competitive interest rates

What you will need to get started

  • Name and address of the other financial institutions
  • Your account number(s) at the other financial institutions
  • Amount of the transfer(s)

Transfer Balances Now Credit Card Agreement

If your credit card is lost or stolen, it's important to act quickly. To report your card and have it turned off immediately, call the number listed below.

For Credit Union of Richmond Credit card:

Call Cardholder Services at 1-888-241-2510

1All credit card rates and product types are based on credit worthiness, may vary based off your credit score. Not all borrowers will qualify. Introductory rates only available for new cards, not available to upgrades and existing cards. After introductory rate period is over, your regular APR (Annual Percentage Rate) will apply.