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SERVICES

Personal Credit Card

We make it easy to choose the credit card that is right for you – Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Applications

Please click here to login to our online banking and access the personal card application.

Extraordinary benefits with Mastercard®  including:

  • Rental Car Insurance
  • Airport Concierge
  • ID Theft Protection
  • Global Services
  • Cell Phone Coverage1
  • Travel & Lifestyle Services1
  • Online shopping/delivery discounts1

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

1Mastercard World cardholders only

Personal Card – Low Rate

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard®
  • 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

  • Other fees may be charged, these fees are listed on the Personal Credit Card Application

Personal Card – World/Preferred Points Rewards

Benefits

  • 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, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
  • To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.
  • 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

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months. *
  • Competitive ongoing APR. *
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Fees

  • Other fees may be charged, these fees are listed on the Personal Credit Card Application

To Apply Now

  • Please click here to login to our online banking and access the personal card application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162. Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120

*Please see application for information about current APRs and fees.