A young woman holds a debit card with gift bags on either side of her

Credit Cards

Little card. Big possibilities.

Personal Credit Cards

Earn points faster by combining points with your First Federal debit card points. Build up your points to redeem them for travel, merchandise, gift cards, or even cash!

Personal Credit Card

Classic

Our Classic Credit Card1 is a great low-cost option to use for everyday spending or to use for large expenses like appliances or car repairs.

  • No annual fee
  • Minimum credit limit of $2,500

Apply Now

Personal Credit Card

Rewards

Our uChoose Rewards Credit Card2 is a great option for customers that want to earn points with their purchases.

  • Earn 3 points per $1 spent on airline purchases
  • Earn 2 points per $1 spent on hotel reservations
  • Earn 1 point per $1 spent on everyday purchases

Apply Now

Business Credit Cards

Whether you need to furnish an office or hit the ground running with new laptops, our business credit card accounts are quick to set-up, easy to use, affordable, and secure.

Business Credit Card

Classic

Our Visa Business Credit Card3 has no annual fee and is the perfect low-cost option for your business needs. This card gives you the power to buy office supplies, take clients to lunch, or build your inventory, all with a fixed rate.


Apply Now

Business Credit Card

Rewards

Our uChoose Rewards Business Credit Card4 is a great option for business customers that want to earn points with their regular business purchases.

  • Earn 1.25 points on everyday purchases
  • Combine points with your personal uChoose Rewards Credit Card or First Federal debit cards.

Apply Now


NEW

A brand new way to manage business credit cards

SpendTrack enables your business to issue credit cards to your employees and fully manage your credit card program, online. Operations are optimized through the delivery of information that helps you clearly understand the performance of your program and where funds are being spent.

Online management

Easily manage cards, users, and spend with just a few clicks

Spend control

Spending control with financial and audit documentation tools

Card supervision

Real-time card controls (lock/unlock, spend limits, merchant restrictions, etc.)

Streamline workflows

Streamlined request process for increassing spend limits and merchant types

Ready to get started?

First Federal Bank  credit cards are a great way to build credit and make purchases online and in-person, from nearly anywhere.

With our Rewards card for personal and business accounts you can earn points as you spend.  Earn earn extra points when you shop specials online and accumulate points to redeem them for travel, merchandise, gift cards, or even cash! Plus, all of our credit cards are backed by the power of Visa.
 
 

"First Federal Bank is a personalized banking experience. All the bank employees are ready to help and assist in any of the financial needs that arise. This bank goes above and beyond to help their customers in every aspect. I highly recommend First Federal Bank for personal and business banking."

Lyra McCallister

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1) Classic Credit Card: Minimum credit limit is $2,500 and maximum credit limit is $25,000. APR of 11.90%. No annual fee.
2) uChoose Rewards Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $25,000. APR of 11.90%. Annual fee is $49.99. Reward points may take up to 40 days to show in your account. Cash back rewards may be subject to tax reporting.
3) Classic Business Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $35,000. APR of 11.90%. No annual fee. 
4) uChoose Rewards Business Credit Card: Minimum credit limit is $5,000 and maximum credit limit is $35,000. APR of 11.90%. Annual fee is $49.99. Reward points may take up to 40 days to show in your account. Cash back rewards may be subject to tax reporting.
1, 2, 3, 4) Subject to credit approval.