VISA Credit Cards

Federated Bank VISA credit cards provide you with the purchasing power you need and the convenience you desire. We offer two personal credit card options so you can choose you one that best fits your specific situation.

Classic VISA Credit Cards

The Classic VISA Credit Cards feature:

Low variable rate set at 3.00% over the Prime with a floor of 11.99% to be competitive and responsive to rate changes
No annual fee
A low-rate personal line of credit you can control
Our friendly personal attention and assistance whenever you have a question or an issue with your account.
Current cardholders can click here to check their accounts.

Apply Now

Platinum VISA Credit Cards

The Platinum VISA Credit Cards feature:

Low variable rate set at Prime with a floor of 7.99%
No annual fee
Grace period on purchases
Earn Rewards – $1 for every $1 charged
A low-rate personal line of credit you can control
Our friendly personal attention and assistance whenever you have a question or an issue with your account.
Current cardholders can click here to check their accounts.

Apply Now

Information About new Chip-Enabled Cards

Federated Bank is now issuing chip-enabled Visa credit and debit cards. These cards, also called chip cards, smart cards, or EMV cards, feature built-in chip technology. Benefits of these cards include global acceptance and an enhanced level of security.

Where can I use my chip card?

You can use your card at millions of places that accept Visa credit or debit cards, both locally and internationally.

How do I use my chip card at a chip-enabled terminal?

Instead of swiping your card, you will insert it face up, chip-end in to the chip-enabled terminal. You will leave your card in the terminal for the entire transaction and follow the screen prompts. This new process is known as dipping instead of swiping.

Can I still swipe my card to pay?

Yes. If a merchant is not yet equipped with chip-enabled technology, you can continue to swipe your card. Keep in mind, you may need to sign for your purchase.

Can I still use my card to pay for purchase online or over the phone?

Yes. Chip cards can be used just as you use your current cards for these types of purchases.

How does chip technology protect my information?

Whenever you use your card at a chip-enabled terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

What if I have more questions about chip cards?

If you have more questions, stop by your local branch and we will be happy to talk with you.

Credit Card Protection with CardValet

With the CardValet app, you can save time and gain peace of mind knowing you can control your debit card with the phone in your pocket. If you can’t find your card, you can instantly lock the card to prevent fraudulent charges from being made. Don’t worry; you can also instantly unlock the card when it turns up. With CardValet you can also set spending limits, get purchase alerts in real time and limit transactions to a certain area using your phone’s GPS, all while having the ability to personalize your own security settings to suit your busy lifestyle. With convenience like that we may see less of you at our local facility, but we’ll still be here if you need us. We’ll miss you, so stop by once in a while even if it’s just to say “hi.”

If you would like to learn more, read about CardValet on the Federated Blog.

You can download CardValet at the App Store or on Google Play.