

It pays to find a credit card with a competitive rates. You'll cut down on interest charges, giving you more to spend on the better things in life.
- No annual fees1
- No annual or balance transfer fee2
- Easily manage your account online and through our mobile app
- Track your spending, set a budget, pay your bill and more
- Mastercard ID Theft Protection and Resolution Services2
- Use Pay It Later (Installment Payments) to split up larger qualifying purchases over three, six, or twelve monthly payments 3
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to an Account Specialist
972-263-9497

Get a personalized consultation.
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Financial CalculatorsGeneral Credit Cards FAQs
You have a couple of options. Either apply online here or stop by one of our branches.
You can mail a payment to:
Credit Card Payments
P.O. Box 660493, Dallas, TX 75266-0493
Overnight Payments:
560 Carillion Pkwy, St. Petersburg, FL 33716
Payment Protection is a great way to protect you and your family when the unexpected happens. This voluntary protection program is designed to help you get relief from payments when you need it most after you're laid off, you become disabled, or worse. It's easy to enroll. Just call us at 972-705-4804.
Your purchase of Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a credit card. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment (Debt) Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.
Act quickly by calling 1-866-604-8156 anytime to report your card lost or stolen. We'll freeze your card and help you get a new one to protect your account. A new PIN will be assigned to your debit card, which you can change after you receive our PIN mailer.
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
Ready to apply?
Apply online now or get started if you need assistance with your application.
Mastercard Rates and Terms | |
---|---|
Annual Percentage Rate (APR) for Purchases |
10.15% to 17.90%
based on your creditworthiness. This APR will vary with the market based on the prime rate. |
APR For Balance Transfers | 12.15% to 17.90% based on your creditworthiness. This APR will vary with the market based on the prime rate. |
APR For Cash Advances |
12.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate. |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each business cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We charge interest on cash advances and balance transfers from the transaction date. |
Minimum Interest Charge | $2 |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore |
Fees | |
Transaction features
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Penalty Fees
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How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). |