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Rates

Bring Visa with you — and enjoy spending flexibility wherever you go.

Key Features

  • Competitive Rates
  • Anytime Funds
  • No Annual Fee
  • Local Service
  • Boost your purchasing power with a Visa Classic® credit card
  • Competitive rate (12.9% APR*)
    • Rate applies to purchases, cash advances and balance transfers
  • 25-day grace period for new purchases
  • No balance transfer fee
  • No annual fee
  • Manage your card online with eZCard
  • Added security with advanced risk technology included
  • Easily replaced if lost or stolen (call 800.991.4961)
  • Worldwide acceptance, local service

For questions or concerns about your Visa Classic credit card, simply contact us

How to Apply

To apply for your credit card, visit any of our locations. For added convenience, print and complete the Visa application before you stop by.   

Or, you can fax the completed application to 205.758.3696, Attn: Loan Dept.

Report a Lost or Stolen Card

To report a lost or stolen card, 24/7, call 800.991.4961.

*APR = Annual Percentage Rate. Minimum finance charge $0.50. Late payment fee $20. Over-the Credit-Limit Fee $20.