Financial Plus Credit Union credit cards offer you the safety and security of Mastercard, while also giving you the rates you deserve.

This card is ideal for you if make the minimum payment on your account each month or pay less than the full balance on each bill.


  • APRs as low as 13.50%1 
    Variable purchase APR from 13.50% to 23.50% based on your creditworthiness. 

  • No annual fee2

  • No balance transfer fee2

  • Other benefits including Zero Liability, Extended Warranty Coverage, Purchase Assurance and Identity Theft Protection & $150,000 Travel Accident Insurance

  • MasterCards are enabled for Mobile Wallet Payments using ApplePay, SamsungPay or GooglePay. 

Lost or stolen credit card? Please notify Financial Plus immediately at 1-800-234-5354.

Apply now!

1. See application for more details. 2. Cash Advance Fee: Greater of 2% or $10; Foreign Transaction Fee: 1% of each transaction in U.S. Dollars. 


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.

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

Transaction/Penalty Fees:
- Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
- Late Payment Fee Up to $15.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases).

Effective Date:
The information about the costs of the card described in this application is accurate as of January 1, 2020. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Mastercard and Mastercard Cash Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a payment.

Card Replacement Fee: $15.00.

Statement Copy Fee: $5.50.

Credit Slip/Receipt Reproduction Fee: $2.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.