Credit Cards

Rewards Credit Card

Use your card at the places that you love and get cash back*!

  • *All qualifying members will be credited back 1% of spending quarterly
  • Cashback accruals will appear as a credit on monthly statements
  • 2% Cashback on grocery purchases
  • No annual fees^
  • Annual interest rates as low as 12.90% APR and based on credit**

Balance transfers and cash advances do not apply as Rewards. This program can be changed by the credit union with sufficient notice.

^No cash advance fees at offices (fees may apply if advancing at an ATM and will be disclosed).

No balance transfer fees applicable.

MasterCard Basic

The TFCU card has interest rates substantially lower than most other credit cards. Rates as low as 9.90% APR*.

Our Mastercards have:

  • Fixed annual percentage rates*
  • No annual fee^
  • 25-day grace period
  • No liability for unauthorized use
  • Make payments locally at your credit union office, online, mail, or phone transfer

^No cash advance fees at offices (fees may apply if advancing at an ATM – fee will be disclosed at the ATM). No balance transfer fees.

Mastercard Guide to Benefits for Credit Cardholders

Credit Card Payoff Calculator

Share Secured Credit Cards

If you want to build new credit or rebuild credit, ask about this credit card program – designed to establish a good credit history with less risk built in.

  • New credit or rebuild credit opportunities
  • Eligibility requirements apply (including demonstrating ability to repay or co-signing)
  • Card is re-evaluated after one-year

My Credit Card
MyCardInfo gives secure access to your MasterCard information online.

  • Make payments
  • View Statements
  • View real-time transactions
  • Enroll by logging into your Home Banking and then click on your Loans – Credit Cards. Don’t have home banking, enroll or login.

First-time users will need card and credit union information available.

Fraud Alerts

When a suspicious transaction is identified, our credit card partner CO-OP will reach out to you via text, email or voice.
Simply reply to that two-way communication confirming whether or not they recognize the transaction.

  • If you do not recognize the transaction, the card will be blocked until CO-OP follows up with the member.
  • If you recognize the transaction, the card will remain available for use.
  • Wireless carrier text fees do not apply to you
MasterCard SecureCode

Sign up for free online credit card shopping protection. SecureCode helps protect you from unauthorized credit card use by asking for password authentication.
To enroll: www.MasterCard.com

* APR = Annual Percentage Rate. As low as 9.9% APR for purchases. 1% foreign transaction fee. Additional fees could include; Late payment fee of $15.00 returned payment fee of $20.00 or cash advance fee of $2.50 at ATMs.

** APR = Annual Percentage Rate. As low as 12.9% APR for purchases. 1% foreign transaction fee. Additional fees could include; Late payment fee of $15.00, returned payment fee of $20.00, or cash advance fee of $2.50 at ATMs.