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.

Personal Card – Low Rate – Features
– No annual fee.
– Low introductory rate for the first six months.1
– Competitive ongoing APR. 1
– 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits
– 24-hour toll-free live customer assistance available at 800-367-7576.
– Car rental insurance coverage and a host of extraordinary Mastercard® benefits.
– Unlike some card offers, the APR1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees
– Other fees may be charged, these fees are listed on the downloadable application.

Personal Card –World / Preferred Points Rewards – 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. 1
– Competitive ongoing APR. 1
– No annual fee.
– 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits
– Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, 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 www.mypreferredpoints.com or call 866-678-5191.
– 24-hour toll-free live customer assistance available at 800-367-7576.
– Car rental insurance coverage and a host of extraordinary Mastercard benefits.
– Unlike some card offers, the APR 1 for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees
– Other fees may be charged, these fees are listed on the downloadable application. (hyperlink blue text to your bank branded .pdf application)

To Apply Now

Download the PDF 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