Our Platinum Visa is a versatile rewards card that makes shopping, travel and many other activities very easy on you and your budget.  We make our Platinum Visa even more versatile by letting you choose what reward YOU want from your credit card:

A cash back rebate of 1% of purchases - up to a $500 rebate per year - with an annual percentage rate from 8.9% to 16.9% based on your Beacon Score

OR

A 1% lower annual percentage rate ranging from 7.9% to 15.9% based on your Beacon Score

Regardless of which reward you choose, you'll receive many benefits with your Platinum Visa card:

• No Annual Fee
• 25-day grace period on purchases
• $500,000 Travel Accident Insurance when tickets are purchased with the card.
• Auto Rental Coverage - Reimbursement for damage due to collision or theft of most rental vehicles paid for with the card. (only pays if you don't purchase the rental company's insurance)
• Acceptance around the world
• Cash advances for quick funds
• Easy transfer of other credit card balances with Visa Convenience Checks
• eStatements and online account access

Platinum VISA Summary of Terms

• Annual percentage rate (APR) for Purchases: 7.9% to 16.9% based on your Beacon Score
• APR for Balance Transfers: 7.9% to 16.9% based on your Beacon Score
• APR for Cash Advances: 7.9% to 16.9% based on your Beacon Score
• Penalty APR: None
• How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
• Minimum Interest Charge: None
• For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard
• Annual Fee: None
• Balance Transfer Fee: None
• Cash Advance Fee: None
• Foreign Transaction Fee: 1% of the amount of each transaction in U.S. dollars
• Late Payment Fee: $20 after 10 days
• Over-the-Credit Limit Fee: None

• Returned Payment Fee: $25

Our 0% VISA Card is our way of rewarding our members who use our services.  To qualify for a 0% VISA Card, members must meet additional certain account relationship requirements such as direct deposit and checking with a debit card.  If you are interested in applying for a card or knowing the requirements to qualify, please contact our Call Center at 217-875-2301 or 1-800-542-6474.

0% VISA Card Summary of Terms

• Annual percentage rate (APR) for Purchases: 0.00%
  
• Method of computing the balance for purchases:
  Average Daily Balance (Excluding New Purchases)
  
• Annual Fee: None
  
• Minimum Finance Charge: $0.00
  
• Grace Period for Purchases: 25 Days
  
• Late Fee: $20 after one cycle

Credit Limit of $1,500.

Earthmover's Student Visa helps ease young adults into good credit habits without the risk of too much debt.

• Credit Limits of $250 to $2,000
• No Annual Fee
• 25-day grace period on purchases
• $200,000 Travel Accident Insurance when tickets are purchased with the card.
• Auto Rental Coverage - Reimbursement for damage due to collision or theft of most rental vehicles paid for with the card. (only pays if you don't purchase the rental company's insurance)
• Acceptance around the world
• Cash advances for quick funds
• Monthly statements for simple record-keeping
• eStatements and online account access

Student VISA Summary of Terms

• Annual percentage rate (APR) for Purchases: 8.0%
• APR for Balance Transfers: 8.0%
• APR for Cash Advances: 8.0%
• Penalty APR: None
• How to Avoid Paying Interest on Purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
• Minimum Interest Charge: None
• For Credit Card Tips from the Federal Reserve Board: To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at www.federalreserve.gov/creditcard
• Annual Fee: None
• Balance Transfer Fee: None
• Cash Advance Fee: None
• Foreign Transaction Fee: 1% of the amount of each transaction in U.S. dollars
• Late Payment Fee: $20 after 10 days
• Over-the-Credit Limit Fee: None
• Returned Payment Fee: $25