Credit Cards
Platinum Rewards
A low-rate credit card for good credit users. Purchases are eligible for cashback or points. Qualified borrowers can get up to $20,000 in credit. 2 percent balance transfer rate for the first 6 months.
Secured Rewards
A credit card meant for new or returning users who seek a fresh start. Pinpoint credit limits are comparable to cash deposits up to $20,000. Purchases earn Reward Points.
Business Rewards
A low-rate credit card designed specifically with the small business in mind. Purchase transactions are eligible for Reward Points. Balance Transfer rate of 4% available for the first 6 months.
Student Rewards
A low-rate credit card intended exclusively for income-earning students to help start saving while studying. When a student is in school, a parent/guardian guarantees the debt until a positive history is established.
By transferring a $5,000 credit card balance at 19% interest to a Pinpoint Visa at 4% for 6 months, you would save $359.02 making the same monthly payment! Save even more with rates as low as 6.74%* after the balance transfer rate expires.
*Your interest rate and credit limit will be determined by your current TransUnion FICO score, your gross monthly income and your debt to income ratio.
*Your interest rate and credit limit will be determined by your current TransUnion FICO score, your gross monthly income and your debt to income ratio.
As a Valued Member, You Can Get Rewarded When You Pay. Every day.
Make all your purchases more rewarding. Just ask for your new Visa® Platinum Credit Card with uChoose Rewards® – and earn points every time you use it. You’ll get the same helpful service you have come to expect from Pinpoint. . . and a whole lot more.
Pinpoint’s Rewards Visa® benefits include:
- No application or annual fees
- Low rates
- Online Access – request new cards, credit line increases, balance transfers, see statements and more.
- Card Control App – control when and where your card is used, block lost cards, set spending limits by card and get real-time transaction alerts.
- Multiple repayment options – automatic, online, mail or in person at our branch.
- Receive enhanced fraud protection with your card’s embedded chip technology and Visa’s Zero Liability Policy*. If your card is lost or stolen, you won’t be held responsible for fraudulent charges.
- Use your card at millions of places locally, online and all around the world.
- Protect your balances and your family’s future well-being with 4 different Debt Protection options.
Balance Transfers
Save money on interest by transferring high interest rate cards to our lower rate Visa.
- 2% promotional rate offered on balance transfers posted within the first 6 months for new platinum cardholders.
- Promotional Rate is valid for 6 months from the effective date of the qualifying balance transfer transaction.
- No Balance Transfer Fee
- Borrowers must meet the credit union’s minimum credit requirements