Compare Your Credit Card Options
Start with Visa® Platinum and Platinum Rewards Plus
Whether you’re getting credit for the first time, expanding your purchasing power, or replacing a card you’re unhappy with, we have great choices. Like the Visa® Platinum non-variable card. For some, a steady rate is most important. Or if you’re interested in earning rewards, the Visa® Platinum Rewards Plus variable-rate card, offers rewards like cash back, gift cards and travel.

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Get started with the application process below.
If you have any questions, we are here to help. Call 315-735-8571 to talk about your options with the purchasing power of VISA® or make an appointment with one of our friendly and knowledgeable representatives today.
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Credit Card Benefits
All Cards
Features
- Credit Limit: $500 Min/$50,000 Max, based on credit score
- EMV Chip-Equipped Credit Card
- Online/Mobile Banking
Fees
- No Application Fee
- No Balance Transfer Fee
- No Cash Advance Fee
- No Inactivity Fee
- No Over-Limit Fee
- 1% Foreign Transaction Fee
Payments
- Minimum Monthly Payment: 2.5% of outstanding balance ($15 Min)
- Late Payment Fee: 2.5% of balance due ($15 Min/$25 Max)
See full disclosure and agreement.
Membership and credit requirements apply. Rates and terms determined by overall credit history and subject to change.
Term |
Rate |
APR* |
Estimated Monthly Payment |
30 year Fixed 0.0 Points |
7.000% |
7.167% |
$752.38 |
20 year Fixed 0.0 Points |
6.750% |
6.962% |
$948.62 |
15 year Fixed 0.0 Points |
6.625% |
6.887% |
$1143.81 |
FHA 30 year Fixed 0.0 Points |
7.000% |
7.954% |
$740.98 |