Credit Cards

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.

*Current customers may apply online through internet banking, under the options tab.

Personal Credit 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 cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard®
    • Concierge Service2
    • Price Protection
    • Baggage Delay Insurance
    • Car Rental Collision Damage Waiver Insurance
    • Extended Warranty
    • Travel Assistance
    • Roadside Assistance
    • Purchase Assurance
    • Travel Accident Insurance
  • 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

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 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 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

To Apply Now

  • Download the PDF application.
  • 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

Please see application for information about current APRs and fees.

Concierge Services available with World MasterCard only.

Pack Your Wallet With More Buying Power

Not all credit cards are created equal. Some have higher interest rates. Some have higher annual fees. And some have lower credit limits. That’s why we would like you to take our Citizens Federal Savings Bank Credit Card Potential Test. Just answer a few easy questions about your situation and compare your score to the Credit Card Potential Guide. You may find that you’re eligible for a higher credit limit with our credit card.

With a higher credit limit, you’ll have more flexibility for purchases, vacations, and cash advances… and you may be able to consolidate other credit card balances as well. You may want to order your Credit Report first to make sure you’re in good standing. Then apply today by contacting us or fill out our Secure Credit Card Application. We’ll get back to you right away with the answer you need. It’s quick. It’s easy. It’s the way we do business.

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