About Credit Cards and JSC FCU

Credit unions are not-for-profit associations owned by their members. These financial institutions exist in order to provide their members with savings, credit and related services. Savers and borrowers in a community come together in credit unions to pool deposits and shares to fund the credit union's lending portfolio. Because credit unions are owned by their members, they are dedicated to serving the interests of their members, not outside shareholders. Credit unions are about more than simple financial services; they help support small businesses, family homes and community education.

JSC Federal Credit Union is dedicated to serving its community and its members in Houston. JSC FCU is a one-stop shopping source for all of the financial needs of you and your family. From online banking to checking and savings accounts to credit cards, you can always turn to JSC FCU for great rates and responsiveness. Since 1961, JSC FCU has been dedicated to the community in Houston, promoting financial independence and member satisfaction among the communities we serve. We're one of Houston's largest credit unions and serve over 123,000 members in Clear lake - Houston, League City, Dickinson, Friendswood, Texas City, Galveston, Ellington, Pasadena, Seabrook, La Porte, Deer Park and Pearland.

Learn More About JSC Federal Credit Cards 

JSC Federal Credit Union has even more to offer you! With JSC FCU, you can get one of the best credit union credit cards right here in your local area, as part of your membership in the community. With over 123,000 members and 2,000 community business partners in Houston, our credit cards have great rates and are especially tailored to meet the needs of our local Houston community. When you open a credit union credit card with JSC FCU, you know that you're working with your own friends, family and community

Credit Card Rates

It can often be difficult to select the best credit card for your needs, especially when so many offers sound too good to be true. You can turn to your trusted partner at JSC FCU for excellent rates. Our Visa Platinum credit card, one of the best credit union credit cards on the market today, offers an initial APR of 2.99%, with a fixed rate of 6.90% - 14.90%, based on creditworthiness after the initial promotional period. We also offer zero percent balance transfer rates, online payments, easy international usage and no annual credit card fees. Apply for a credit card online, and we'll get back to you within 24 hours during the business week with the current credit card rates available to you.

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Credit Card Interest Rates

We know that our members need and expect credit card interest rates that meet your needs. With an introductory interest rate of 2.99% for six months and a standard rate of 6.90% - 14.90% thereafter, our interest rates are market-leading and accessible to our members and the community. In addition, we can help you to transfer higher-interest card balances to your new JSC FCU card and discuss how paying your bill in full each month can help you to avoid mounting interest charges. If you transfer existing balances at our introductory rate, this will give you an option to lower your balances and pay off principal rather than mounting interest.

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Credit Card APR Rates

At JSC FCU, you won't only find great credit card APR rates and excellent member service, but an overall approach to supporting our members and improving your financial life. When you open a JSC FCU credit card, your online banking account and credit card account will be linked instantly and you can pay your monthly bill in seconds with a simple online transfer, either using your computer or at our convenient mobile site with your smartphone or tablet.

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Houston Credit Card Debt Consolidation

JSC FCU isn't just a great place to open a credit union credit card; we're also specialists in credit card debt consolidation. Our programs can have an exceptionally powerful effect in improving your financial future. Many people in our Houston community suffer from excess debt, especially when using high-interest credit cards to pay for daily costs, like groceries, gas or utilities. While credit card payments may be convenient and helpful, sometimes it can be hard to make ends meet when the bills come due. A credit card consolidation loan is one way to protect your credit score and move forward financially, away from debt and into a manageable loan package. With this kind of loan, JSC FCU pays off your credit card debt, and now you have only one loan payable to your credit union. With your timely monthly payments, your debt will be paid off and your cards will be clear.

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Best Credit Card Rates

We don't charge annual fees, balance transfer fees, cash advance fees, late payment fees or over-the-limit fees. Our members make up our credit union, and they deserve the best rates available on the market. You won't pay nuisance fees with JSC FCU that can make your credit card bills seem insurmountable. Even more than that, we don't increase your interest rate as a penalty. The rate you receive at the beginning is the rate you'll keep. We also have a number of other great services to increase the value of your JSC FCU credit card even further. Our member service is personalized and responsive, and you can pay your bill in person at a branch, via mail, online or over the phone. We also offer a range of services, including auto rental collision damage waivers, travel and accident insurance and emergency assistance services at no extra charge to you.

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If you're looking to open the best credit union credit cards available today with a financial institution that treats you like family, look no further than JSC FCU. We're waiting for your application or for your call to help you get the credit card that meets your needs and improves your life. To add a credit card to your account, even if you're not already one of our members, you can join our community right now. Set up an account online today to get started with our great rates, responsive service and excellent deals! Apply for a Credit Card today!

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