Review & Apply for your Personal Credit Card

Application process made easy: You can sign onto Internet Banking to complete/sign the application electronically or you can follow the directions below.

We make it easy to choose the credit card that is right for you - Low Rate or Preferred Points Rewards. It’s the only card you need for everything you need to do.

Personal Card – Low Rate

Features

• No annual fee.
• Low introductory rate for the first six months.¹
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at http://www.cardaccount.net/.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard^® benefits.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

Personal Card –World / Preferred Points Rewards

Features

• Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Low introductory rate for first six months. ¹
• Competitive ongoing APR. ¹
• No annual fee.
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit http://www.mypreferredpoints.com/ or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at http://www.cardaccount.net/.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
• Unlike some card offers, the APR ¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

For those with Internet Banking who want to use our electronic application - please log onto internet banking and click the credit card tab.  This will allow you to complete and electronically sign the credit card online.  The application will then be electronicallly submitted directly to the department processing the application.  

If you don't have internet banking, you can click on the application, complete and print out the application, sign it manually and then send back in based on the instructions.

Download the PDF application - click here.

• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
• Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

¹ Please see application for information about current APRs and fees.

² Concierge Services available with World MasterCard only.