Take advantage of these benefits:

  • 1% Cash Back on all Purchases^
    • Redeem points easily in Online Banking, at any branch location, or by calling our Contact Center at (800) 748-0451.
  • No Annual Fee
  • No Cash Advance Fee
  • Easy Payment Options
  • Available low-cost payment protection against an unplanned disability or in the event of a tragedy.

Getting close to reaching your credit limit? Request a credit limit increase today!
Apply for a Credit Limit Increase

Say goodbye to high-rate credit cards!

Transfer your balances to our Financial Plus Visa credit card and take advantage of our competitive rates and 1% cash back. Apply online or at any Financial Plus location today!

Already have a Financial Plus Visa credit card? Get your application started by simply applying at any branch or printing the paper balance transform form and returning it to any Financial Plus location.

Balance Transfer Form

Enrolling in Plus Rewards 1% Cash Back

If you are a Financial Plus Visa Platinum credit card holder then you are automatically enrolled in the Plus Rewards 1% Cash Back program. You do not have to take any additional steps to enroll.

Eligible Purchases

All purchases (less return credits) earn Plus Rewards 1% Cash Back at a rate of one percent (1%). For example, a $100 purchase earns you one dollar ($1) in Plus Rewards 1% Cash Back. Plus Rewards Cash Back is earned on all purchases, less returned goods and services. Plus Rewards Cash Back is not earned on cash advances, convenience checks, balance transfers from other accounts, credits, fees, finance charges and purchases.

Redeeming your rewards is easy!

You can easily redeem your Plus Rewards Cash Back at any Financial Plus branch, by calling our Contact Center at (800) 748-0451, or online in three simple steps:

1. Log in to your Digital Banking account
2. Select your Visa credit card account
Click “Cash Back Rewards”
Complete the DocuSign form
5. Enjoy extra cash! ($25.00 minimum to redeem)


  • Enroll in Verified Visa®  - Verified by Visa helps ensure that payments are made by the rightful owner of the Visa account, to make online purchases more secure. It aims to make your online transactions as secure, fast, and convenient as purchases you make in a store.
  • Enroll in Visa Secure Remote Commerce (Visa SRC) - Online buying is evolving so you can pay with fewer clicks. Now with Visa SRC, paying online with your Financial Plus Visa card is easy! When you see the Visa SRC icon, you no longer have to enter 16-digit primary account numbers, look up passwords or fill out long forms to make a purchase online where Visa is accepted.

Apply online button    Apply by phone button-AUTO    Apply in person button

Visa tab

Equal Opportunity Lender. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. See Credit Union for complete details.

^Reward dollars expire at end of monthly billing cycle four years after they are earned. Rewards are earned each month and your total accumulated dollars are reported monthly on your Financial Plus Visa Platinum statement. Upon closure of Visa Platinum credit card account, all Reward dollars will be void and ineligible for redemption.