Credit Card Services

Balance Consolidations


With all of First Capital's Visa® Credit Cards, you have the option to transfer outstanding balances from your other accounts to your new First Capital Visa at ANY TIME with ZERO FEES! Save money by consolidating your high-rate balances into a single, easy and affordable payment today!

Balance consolidations can be completed by visiting any of First Capital's locations and speaking to a Member Service Representative, or by logging into First Capital's Home Banking Credit Card section. You can also call us directly at (800) 893-2328.

Take advantage of our introductory fixed rate of 2.99% APR* for 15 months when you open a Visa Platinum Credit Card!

*APR = Annual Percentage Rate.



Request a Credit Increase


You can request a Visa Credit Card limit increase by visiting any First Capital branch or calling (800) 893-2328 to speak with a Member Service Representative.



Activate a Credit Card


To activate your Visa Credit Card, call (800) 631-3197.

To select a new PIN for your VISA Credit Card, call (800) 221-9648. For this, you will need your Reference Number from your original PIN mailer.



Make a Payment


There are many convenient payment options to best serve your needs!

  • Visit any First Capital FCU location and speak with a Member Service Representative
  • Log into your First Capital Online Banking from a computer
  • Set up an automatic payment from your First Capital Share Draft Checking or Primary Share Savings account
  • Call (800) 893-2328 to speak to a Member Service Officer


Report a Dispute Or Fraud


To report a Dispute or Fraud on your VISA Credit Card, please call:

  • Visa® Signature Rewards - (866) 820-3914
  • Visa® Platinum / Visa® Secured / Visa® Business Rewards - (866) 820-3915


Design your Own Card


Design a customized First Capital Visa Credit Card for only $9.99. The Design Your Own Card option allows you to customize your Visa Signature Rewards, Visa Platinum, or Visa Secured Credit Card by uploading a personal image, or choosing one from our catalog of images for display on the front of your card. You may access the Design Your Own Card option from First Capital's online banking website.



Visa Transaction Alerts


Transaction Alerts keep you informed to help detect fraud within seconds, and can also help manage spending. This handy tool can alert you to purchases made on your card based on your specifications via text and/or email, and it's FREE!



CU Rewards


Use your Visa Signature Rewards and Visa Business Rewards cards to earn points for your everyday purchases. Earn 1 point for every dollar spent. You can also earn extra points by shopping through the CURewards Mall. Redeem your points for merchandise, gift cards, travel, cash back, and more. Go online at anytime to review and manage your reward points.