Get Ahead of the Learning Curve

The sooner you are able to handle credit the better your financial life will be.

Share this page

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

Whether you are in high school or college you can begin establishing a credit history with our Student Visa. Start with a small credit limit and probably a parent to co-sign -- definitely a parent to co-sign if you are under 18.

  • No Annual Fee
  • Cash advances for quick funds with no fee
  • Acceptance around the world
  • Credit Limits of $250 to $2,000
  • 25-day grace period on purchases
  • Minimum payment is 2% of the balance or $10, whichever is greater
  • Monthly statements for simple record-keeping
  • eStatements and online account access

FYI

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.

See full fee chart below.

Apply Today!

After all, there's no better time than the present.

Apply for a credit card

Credit Card Application

Let us know what type of card and benefits you are looking for and we'll get it processed and you'll hear from us soon!

Learn More

Platinum Visa

One card, two reward options. Choose the reward that fits the way you use your card.

APR Starting At 8.500%
Learn More
Types of Fees Description
Annual Fee None
Transaction Fees
- Balance Transfer None
- Cash Advance None
- Foreign Transaction 1% of the amount of each transaction in U.S. dollars
Penalty Fees
- Late Payment $25 After 10 Days or not more than the minimum payment
- Over-the-Credit Limit None
- Returned Payment $25

We will calculate your balance using a method called "average daily balance (including new purchases)" This information is accurate as of 12/1/13 and is subject to change. Contact us by phone at (217) 875-2301, or if Outside Decatur 1 (800) 542-6474, or by mail at PO Box 2515, Decatur, IL 62525 for changes.

Emerald Checking

A checking account that rewards you for deepening your relationship with us. Because who doesn't love rewards?

Student Loans

We have you covered through every stage of life, throughout your time in school and beyond!

Spare Change Round Up

We'll round up your debit card purchases to the nearest dollar and deposit the money in the savings of your choice. Save without even trying!

Interest Rates and Charges Description
Annual Percentage Rate (APR) for Purchases 8.00%
APR for Balance Transfers 8.00%
APR for Cash Advances 8.00%
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 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 www.consumerfinance.gov/learnmore.