Discovery Youth Accounts are a great way for kids to manage money, earn dividends and get rewarded for good grades.
Whether you’re purchasing a new or used vehicle or simply looking to refinance your current vehicle, First Service can help you explore your new adventure with ease.
Take advantage of a complimentary consultation with one of our Financial Advisors to discuss your goals and help you plan for the future.
Did you know your First Service membership may help you save on your car insurance? Check out the TruStage Auto Insurance Program to see what you might save.
Leave high fees and hassle behind with our business checking accounts. We’ll take care of the details while you take care of business.
Avoid common and costly mistakes when you follow our helpful guide to buying a car or truck.
Nearly 30,000 ATMs and over 5,000 shared branches mean you have access to your money from coast to coast.
A credit card can mean financial flexibility when you need it — especially when you don't have to pay interest. With the First Service Visa® credit card, you can enjoy 6 months of 0% intro APR on purchases or transfers.16
You'll also receive a competitive, fixed rate after the introductory period, and the card comes with no annual fee. You can even add an authorized signer with no credit pull required!
Depending on creditworthiness
Payment Per Month
Estimated Number of Months Until Your Credit Card Is Paid Off
You can expect to pay about $999 in interest over this period.
In addition to having a competitive fixed rate, the First Service Credit Union Visa® credit card also has no balance transfer fees after the first 6 months. That means you can roll over your balances from other cards with higher rates to pay them off sooner or save on your monthly payments!102
When you open a new First Service Visa® credit card, six months with the 0% introductory APR period on purchases and transfers will be a standard feature of your account.
Once the introductory period ends, your rate will change to the standard APR (listed above).
To put it simply, credit cards are revolving lines of credit where a borrower uses what they need when they need it, and personal loans are lump-sum amounts that are paid all at once.
To better understand the difference between loan types, and to know when to use each, check out this article on our website.
You can make your monthly credit card payment using our form on FSCU.com, or you can make your payment using First Service Digital Banking by following the steps below:
Transferring a balance to your card is easy with First Service Digital Banking. Simply follow the steps below:
An Authorized Signer is a person that has been designated as having the authority to make charges on your account.
When you add an Authorized Signer to your First Service Visa® credit card, we will send them their own card with their name on it and access to your credit line. They should receive this card within 7 - 10 business days.
It's easy to add an Authorized Signer
First Service Digital Banking. Simply follow these steps:
Adding an Authorized Signer to your First Service Visa® credit card won't negatively impact your credit score or the credit score of the person you are adding. There is no credit pull required for either party. However, heavy card usage can diminish credit availability, which is a factor that influences your credit score.
If you are interested in improving your credit score, we have created a free guide to help you better understand what credit scores are, how they're calculated, and what you can do to improve yours over time.
There are no service charges or hidden fees for adding an Authorized Signer on your First Service Visa® credit card. Taking advantage of this feature won't cost you a thing.
The primary owner of the First Service Visa® credit card is responsible for all charges made on the account and interest accrued from those charges, as laid out in the card's terms. That includes charges made by an Authorized Signer.
If you ever need to dispute a credit card transaction, you can call our team at (713) 676-7777 or visit one of our Houston-area branches to submit your dispute.
You may file a dispute for any of the following reasons:
Please note, disputes may only be made on a transaction made within 60 days of the statement date. A provisional credit will be applied within 10 business days.
If you notice suspicious activity on your credit card, or if you suspect your account or personal information has been compromised, it is important that you notify us as quickly as possible. Please call our team at (713) 676-7777 during business hours or submit a secure request through First Service Digital Banking to notify our team of your concern.
Your security is of highest priority! We are careful to take action steps to ensure your banking security:
Click here to learn more about our security measures.
Normally, you will receive your renewal card in the mail on the third week of the month prior to your card expiration. If you have not received the new card by the third week of the previous month, call our Service Center at (713) 676-7777 to order a new card.
Your new card should arrive by mail within 7 - 10 business days. If you prefer, you may also visit one of our Houston-area branches for an instant-issue card.
0% Introductory APR
Pay no interest on purchases or transfers for six months.
Low Interest Rate
Save money on interest with a low fixed rate.
No Annual Fee
We don’t think you should pay extra for the convenience of using your credit.
No Balance Transfer Fee
Pay no fees to transfer a balance from another card after the introductory period.
Digital Wallet Compatibility
Use Apple Pay®, Google Pay™, or Samsung Pay™ to pay easily and securely with your smartphone.
Add an Authorized Signer
No credit check or application required.
Zero Liability Guarantee
Visa’s Zero Liability Policy covers you if your card is ever lost or stolen.39
Digital Banking Access
Use First Service Digital Banking to manage your card, make payments, and more.
Peace of Mind
Included ID Navigator Powered by NortonLifeLock™ detects and alerts you to potential identity theft threats.45
Get peace of mind and support with your card’s built-in additional benefits:
First Service’s Visa credit card comes with Zero Liability at no extra cost. With Zero Liability, you’ll never pay for promptly reported unauthorized transactions.
Roadside Dispatch provides you with 24-hour access to pay-per-use roadside assistance via a toll-free number.
Receive identity and social security number alerts, one-bureau credit monitoring, and more.
 Credit Card Rates: APR = Annual Percentage. Subject to credit approval. Introductory rate is only valid for the first six months from the date of account opening. After that, the standard APR will be 7.99% - 18.00% depending on credit worthiness and underwriting factors. The offer is subject to change at any time and without notice. See our credit card disclosure for complete details.
 Credit Card Balance Transfers: APR = Annual Percentage Rate. Certain restrictions, limitations, and exclusions may apply. Transfer requests may be subject to application requirements at the time of transfer. During the introductory period of 0% APR, a balance transfer fee of 5% will be applied to each transfer. After the promo period ends, the standard APR (currently 7.99% – 18.00%) will apply to any remaining balances. Rates vary based on creditworthiness and underwriting factors. See credit card disclosure for complete terms and conditions.
 Visa’s Zero Liability Policy: Visa’s Zero Liability policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail. For more information, visit the Visa website.
 Visa Credit Card Benefits: Certain restrictions, limitations, and exclusions may apply. Please visit the Visa website for more details.
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