Credit Cards

Meet our versatile lineup of credit cards designed to meet your financial needs and lifestyle preferences.

Whether you prioritize low interest rates, seek generous rewards, or are building or rebuilding credit, we have the perfect solution for you. Our comprehensive range includes:

• The Low Rate Platinum Mastercard®️, a credit card offering great interest rates for those who value cost-effective borrowing

• The You First Bonus Club Rewards Mastercard, a credit card designed to maximize your spending with exciting perks and benefits

• The Secured Mastercard, a credit card that’s ideal for establishing or repairing credit while enjoying the convenience and security of a credit card.

Whatever your financial goals may be, our credit card lineup provides the flexibility and support you need to thrive.

Low Rate Platinum Mastercard

The perfect choice for anyone who wants to minimize the amount of interest they pay. This card is particularly beneficial for those who anticipate needing to carry a balance or make large purchases.

Featuring:

• 0.00% APR* Introductory Rate on Purchases for 6 Months

• 4.50% APR Introductory Rate on Balance Transfers for 6 Months

• 8.90% to 18.00% APR Standard Fixed Rates

• $0 Annual Fee

• $0 Balance Transfer Fee

• Mobile Wallet Compatible, includes Apple Pay®️, Google Pay™️ and Samsung Pay®️

• eAlerts and Card Controls in the Mobile App

• From Mastercard: Zero Fraud Liability, ID Theft Protection™️, Global Services™️, and Airport Concierge™️ — for details review the Mastercard Guide To Benefits

You First Bonus Club Rewards Mastercard

The You First Bonus Club Rewards credit card is for individuals who regularly use their credit card and is seeking to earn points for rewards such as cash back, travel, or merchandise.

Featuring:

• Earn 1 Point for Every $1 Spent — Learn more in our Rewards Brochure

• 0.00% APR* Introductory Rate on Purchases for 6 Months

• 9.90% APR Introductory Rate on Balance Transfers for 6 Months

• 13.90% to 18.00% APR Standard Fixed Rates

• $0 Annual Fee

• $0 Balance Transfer Fee

• Mobile Wallet Compatible, includes Apple Pay, Google Pay and Samsung Pay

• eAlerts and Card Controls in the Mobile App

• From Mastercard: Zero Fraud Liability, ID Theft Protection™️, Global Services™️, and Airport Concierge™️ — for details review the Mastercard Guide To Benefits

Secured Mastercard

A secured credit card is perfect for someone with a limited or poor credit history who is looking to build or rebuild their credit.

Featuring:

• Requires a security deposit as low as $500. The amount you deposit will determine your credit limit. Your security will be deposited into a savings account and will be "frozen.” While these funds won't be available for withdrawal they will stay in your account, accruing dividends as long as the credit card account remains in good standing.

• 11.90% to 18.00% APR* Fixed Rate

• $0 Annual Fee

• $0 Balance Transfer Fee

• Mobile Wallet Compatible, includes Apple Pay, Google Pay and Samsung Pay

• eAlerts and Card Controls in the Mobile App

• From Mastercard: Zero Fraud Liability, ID Theft Protection™️, Global Services™️, and Airport Concierge™️ — for details review the Mastercard Guide To Benefits

Credit Card Application Disclosure | Consumer Credit Card Agreement

NOT YET A MEMBER? COME JOIN US!

Most of our current members are people who live, work or worship in the Waco area, are relatives of our current members, or are affiliated with Baylor University, including members of the Baylor Alumni by Choice organization.

HOW TO JOIN:

Once your loan is approved, we'll set up a savings account for you as well. After an initial deposit of $5.00 or more, you’ll unlock access to all of our credit union services. By maintaining a minimum balance of $5.00 in your savings account, your membership remains in effect.