Credit Cards

Apply for a no-fee VISA credit card today to lock in 11.9% with no fees.

To apply for your VISA credit card, just complete the VISA application and provide us a copy of a recent pay stub. When approved, your VISA card will arrive in a week to ten days.

Secured VISA Card

Secured VISA cards are issued with specific credit limits based on a member’s savings account balance. The funds will be held as long as the VISA account is active. For example, a VISA card with a $500 credit limit would require a $500 balance in the members savings account at all times regardless of the outstanding VISA balance. We offer Secured VISA Cards at 18%.

ScoreCard Bonus Points

Earn ScoreCard bonus points with every purchase you make. 

To shop and redeem your points, visit

Mobile Access

Digitize your wallet and enhance your security when you link your credit card to your smartphone. Credit cards are now compatible with Apple Pay, Google, and Samsung Pay.

Online Access

You can check your balance and make payments.

Access Your Credit Card

Lost or Stolen Cards

Report any lost or stolen cards immediately by calling: 1-800-854-1557

Then, please contact our main office at (585) 546-4279. We can help have a new card issued to you.

VISA Card Disputes

To dispute a purchase, call VISA at 1-800-600-5249.

To check the status of an existing dispute, call 1-800-906-0005.

For any general inquiries about your VISA card, please call Customer Service at 1-800-299-9842 (US) or 1-727-570-4881 (International).

How to Apply

Start the application process online:

  1. Download and complete the application form
  2. Save the form on your computer, or print it to save a hard copy
  3. Send the application to us in one of the following ways:
  • Email the attachment to
  • FAX to 585-546-3745
  • Mail us your printed copy:
    460 N. Goodman Street
    Rochester, NY 14609

*Please note that a copy of a recent pay stub is required for all loans.