Credit Cards

 

It all starts with you.

 
Image of woman happy about shopping

Spread the Christmas cheer when you shop with a 0.00% APR* credit card

Apply for your Platinum or Rewards Mastercard®️ and make this holiday season extra merry. Simply shop now and take up to six months to pay off your balance* and your purchases stay interest-free!

After the 6-month intro period, your rate will be between 8.90%-18.00% APR*.

*APR=Annual Percentage Rate. Rates are based on the creditworthiness of the borrower and card type selected. Minimum monthly payments are required. Complete details can be found on this page or in the Disclosure.

Meet our versatile lineup of credit cards designed to meet your financial needs and lifestyle preferences.

Whether you prioritize low interest rates, seek generous rewards, or are building or rebuilding credit, we have the perfect solution for you. Our comprehensive range includes:

  • The Low Rate Platinum Mastercard, a credit card offering great interest rates for those who value cost-effective borrowing

  • The You First Bonus Club Rewards Mastercard, a credit card designed to maximize your spending with exciting perks and benefits

  • The Secured Mastercard, a credit card that’s ideal for establishing or repairing credit while enjoying the convenience and security of a credit card.

Whatever your financial goals may be, our credit card lineup provides the flexibility and support you need to thrive.

Low Rate Platinum Mastercard

The perfect choice for anyone who wants to minimize the amount of interest they pay. This card is particularly beneficial for those who anticipate needing to carry a balance or make large purchases.

Featuring:

You First Bonus Club Rewards Mastercard

The You First Bonus Club Rewards credit card is for individuals who regularly use their credit card and is seeking to earn points for rewards such as cash back, travel, or merchandise.

Featuring:

Browse sample rewards at https://bonusclub.culink.net/welcome.php

Log in to your You First Bonus Club account at https://bonusclub.culink.net/

You First Bonus Club Program Terms and Conditions

 

Secured Mastercard

A secured credit card is perfect for someone with a limited or poor credit history who is looking to build or rebuild their credit.

Featuring:

  • Requires a security deposit as low as $500. The amount you deposit will determine your credit limit. Your security will be deposited into a savings account and will be "frozen.” While these funds won't be available for withdrawal they will stay in your account, accruing dividends as long as the credit card account remains in good standing.

  • 11.90% to 18.00% APR* Fixed Rate

Credit Card Application Disclosure | Consumer Credit Card Agreement

Understanding Your Credit Card Introductory APR Period

The 6-month introductory period with a 0.00% APR on your credit card means that for the first six billing cycles (months), you won't be charged any interest on your purchases.

Here's how it works:

  1. Introductory Period: During the 6-month period, any purchases you make will not accrue interest as long as you make at least the minimum payment on time each month. This applies to purchases made from the first month through the sixth month.

  2. Month 6 Purchases: If you make a purchase in the sixth month, it will still be part of the 0.00% APR introductory offer. This means you won't be charged interest on that purchase until the introductory period ends.

  3. End of Introductory Period: After the six months are up, the regular APR specified in your card agreement will kick in. This means that any balance you carry over into the seventh month (including purchases made in month six that have not been paid off) will start accruing interest at the regular rate.

  4. Interest Charges: If you still have a balance from month six (or any prior months) after the introductory period ends, you'll start accruing interest on that balance according to the card's regular APR. This interest is typically charged on a daily basis, based on the average daily balance.

In summary, you won't start accruing interest on purchases made in month six until the 0% APR period ends after that sixth billing cycle. To avoid paying interest, you should aim to pay off your entire balance before the end of the introductory period.

NOT YET A MEMBER? COME JOIN US!

Most of our current members are people who live, work or worship in the Waco area, are relatives of our current members, or are affiliated with Baylor University, including members of the Baylor Alumni by Choice organization.

HOW TO JOIN:

Once your loan is approved, we'll set up a savings account for you as well. After an initial deposit of $5.00 or more, you’ll unlock access to all of our credit union services. By maintaining a minimum balance of $5.00 in your savings account, your membership remains in effect.

 

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