Emergency Contacts
 Lost/Stolen Plastics

Visa Credit Cards
800-325-3678

Visa Check Cards
888-241-2510
(inside the US)
909-941-1398
(outside the US)

ATM Cards
800-521-1800 x116
(If after hours, leave a message)

 

ScoreCard Click here for Program Details

eZCard Info

Verified by VISA activate now. Same card added safety when you buy online

 

VISA Credit Cards

FME offers 3 Visa Credit Cards, one of which we are sure will be right for you.  All 3 cards offer competitive fixed rates and flexible limits for purchase power and cash advances. There is never an annual fee on any of our cards and our convenient Auto Pay Program allows you set up automatic monthly payments directly to your credit card.  You may also make payments, view your transaction history, obtain statements and set security alerts by clicking on the eZCard link in the lower left margin.

Visa Platinum Credit Card
Get rewarded!  Our Visa Platinum Card offers the lowest credit card rate(s) plus the ability to earn Platinum Points on all qualified purchases.  Points can be redeemed for Gifts, Airline Tickets or Cash Back to your FME Savings.  Save points for bigger and better gifts, larger cash-back rewards, or flights with no blackout dates.  For every 5,000 points earned, you can redeem a $50 Cash Back Reward.

For VISA Platinum Benefits click here.

To redeem points for Gifts or Airline tickets, click on the Scorecard link in the lower left margin.

To redeem points for Cash Back Rewards, call your local Branch Representative or Main Office at 800-521-1800.


Visa Gold Credit Card
For members who may not initially qualify for a platinum card, our Visa Gold Card offers a competitive fixed rate with flexible limits sure to give you all the purchase power you need. 

For VISA Gold Benefits click here.
 

Visa Classic Credit Card
Ideal card for members just starting out or looking to re-establish credit.  You will still have the same purchase power just with a lower limit to make certain you stay within your budget.  FME also offers a Share Secured Classic Credit Card to ensure you have a major credit card on hand should an emergency arise.

For VISA Classic Benefits click here.

 

Balance Transfer Program
FME’s Visa Platinum and Gold Credit Cards allow you to transfer balances of $300 or more from other high interest rate cards and rewards you when that account is closed.  Earn a 1% Cash Bonus to your FME Savings Account when you transfer and close credit card accounts from other institutions.  

Our Membership Rewards Program rewards qualified new Platinum Members with 2,500 Bonus Points and an increased transfer bonus of 2%. 
 

Click here to apply for a credit card Click here to apply for a Credit Card

Click here to complete a Balance Transfer Form Click here to complete a Balance Transfer Form

 
VISA Platinum Benefits
  • Cash Back Bonus Up to 1%
  • No Annual Fees
  • No Overlimit Fees
  • 9.60% APR (Direct Deposit Users = 7.6% APR)
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $1,000,000 Travel Accident Insurance  
  • Worldwide Acceptance
  • Auto Rental Insurance
  • Around The Clock Emergency Assistance (Medical, Legal Referral, Travel)
  • Emergency Card Replacement And Emergency Cash  
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES

 7.60% APR

Direct Deposit Members
 
9.60% APR
Members without Direct Deposit
OTHER APRs
 Balance Transfers:
7.60% APR or 9.60% APR
Cash Advances:
7.60% APR or 9.60% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  
VISA Platinum card-holders receiving Direct Deposit, along with either an active* Checking or High-Yield Savings Account, qualify to receive a reduced rate of 7.60% APR for Retail Purchases and Cash Advances. The Annual Percentage Rate for VISA Platinum card-holders will increase to 9.60% APR when the qualifying terms for the reduced rate are no longer met.  *An active Checking Account is defined as a combined minimum of five (5) Check Clearings, VISA Check Card clearings and/or FME Online Bill Payments per calendar month. An active High-Yield Savings Account is defined as a minimum payroll deposit of $20.00 per calendar month. 


 

VISA Gold Benefits
  • No Annual Fees
  • No Overlimit Fees
  • 12.96% APR
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $1,000,000 Travel Accident Insurance
  • Worldwide Acceptance
  • Auto Rental Insurance
  • Around The Clock Emergency Assistance (Medical, Legal Referral, Travel)
  • Emergency Card Replacement And Emergency Cash
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
12.96% APR
 
OTHER APRs
Balance Transfers:
12.96% APR
Cash Advances:

12.96% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  

 

VISA Classic Benefits
  • No Annual Fees
  • No Overlimit Fees
  • 15.96% APR
  • 25-Day Grace Period
  • Worldwide ATM Cash Advances
  • $250,000 Travel Accident Insurance
  •  Worldwide Acceptance
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES
15.96% APR
 
OTHER APRs
Balance Transfers:
15.96% APR
Cash Advances:
15.96% APR
MINIMUM FINANCE CHARGE
$0 
 ANNUAL MEMBERSHIP FEE
$0 
 GRACE PERIOD FOR REPAYMENT OF THE BALANCE FOR PURCHASES
 25 Days
 LATE PAYMENT FEE
 $20.00 After 10 Days
 
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases  

NMLS# 808257

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If you are logging in to Online Banking for the first time, please be aware that your FME Account Number should be entered as 7-digits long, without dashes, and with the last digit being a 0. This is the same Account Number that appears on your periodic statement. The initial User Password is the last 4 digits of the primary accountholder's Social Security Number.

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