Local service. Global access.
For over 100 years, we have served our communities by providing customers a complete line of up-to-date banking services combined with local decision making. We are committed to helping people achieve their financial goals with friendly, high-quality service. Plus, you gain the convenience, security, global access and all the benefits that Mastercard® or Visa® has to offer.

Our Card is Different
First, it’s from a community bank, not one of the big national credit card companies that like to charge a lot of fees. It’s backed by our commitment to value and legendary service. It comes with NO ANNUAL FEE, a competitive interest rate, and no hidden fees. And you’ll appreciate the peace of mind knowing if you are a little late on a payment your interest rate will not automatically increase.

Step Into Rewards
Earn Reward Points toward dream vacations, travel, valuable merchandise and gift cards everytime you make a purchase. You’ll earn one Reward Point for every dollar you spend and your points will be automatically updated every month.

Online Account Access
Our online account access provides an easy and secure way to view your credit card account information. View your account summary, transaction information and make payments all from the convenience of your computer.

Fraud Protection
Your credit card comes with Zero Liability for unauthorized purchases – even on the Internet. If your card is lost or stolen, our fast Credit Card replacement takes care of you. Simply call our toll-free number, 24 hours a day, and a replacement card will be on its way.

Free Insurance
Common Carrier Travel Accident Insurance is included at no additional charge, automatically covering you for $150,000 for our Classic Card and $250,000 for our Gold Card.