The Credit You Deserve

Whether just starting out or wanting to add a great card to your wallet, FOCUS Credit Union offers a credit card that can meet your needs. 

Gold Mastercard*

Classic Mastercard*

  • Minimum credit limit of $5,000
  • Low rate of 11.8% APR **
  • NO Annual Fee
  • Rewards=1 point for every $1 in purchases
  • Eligible for FCU Skip-A-Payment
  • Card Controls at fingertips in App and Online
  • Credit limit starts at $300
  • Low rate of 12.9% APR **
  • NO Annual Fee
  • Rewards=1 point for every $1 in purchases
  • Eligible for FCU Skip-A-Payment
  • Card Controls at fingertips in App and Online
Apply Now
Card Benefits

*Card and Rate based on credit worthiness

**APR-Annual Percentage Rate. Rates and terms are subject to change and are not guaranteed


Take Control of Your Credit with Credit Sense


With Credit Sense, you can access your credit score and report directly through FOCUS Credit Union’s Online and Mobile Banking platforms. This integration allows you to monitor your credit health without the need for additional logins.