Personal Credit Card Products

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.

Low Rate Card

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.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection 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.

World Card (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, 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 the www.mypreferredpoints.com website or call (866)678-5191.
• 24-hour toll-free live customer assistance available at (800)367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection 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. 

To Apply Now

• Click this link to apply online. or
• Download the PDF application. 
  • Type the information (or print it and then complete it using a blue or black pen)
  • then print the application (you cannot save the document, so print an extra copy for yourself). Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 877-809-9162 or bring the completed application to your local branch.

Or mail your completed application to:

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

¹ Please see application for information about current APRs and fees.