We create a revolving account and grants a line of credit to our cardholder, from which the cardholder can even be able to borrow loans (money) for payment to a merchant or as a cash advance. We issue both the Consumer Credit Cards and Business Credit Cards. Most cards are plastic, but some are metal cards (stainless steel, gold, palladium, titanium). Surge Financial Group has plastics you can use to pay for something now from your checking account and Metal Cards to pay for something later. Our plastics make your life easier and more convenient! Credit cards are everywhere and accepted by virtually everyone. Our cards are easy to understand and we’re here, in person, if you have a question.

Regular Visa or MasterCard

Fixed interest rate of 13.92% APR*.  A great "starter" card for students, those new to credit or rebuilding credit.

Platinum Visa

Fixed interest rate as low as 9.99% APR* (Based on credit qualifications).  Perfect for those with larger credit line needs and established credit.

 

Features of both cards:

• No annual fees
• No cash advance fees
• No balance transfer fees
• No hidden rate increases
• No over limit fees
• Protection with Verified by Visa
• The convenience of local service from SURGE employees
• Make payments through payroll deduction, Online Banking, Mobile Banking, online at EZCardInfo.com, at any of our teller windows or by mail

Payments can be made right up until the due date at any of our teller windows. Simple, convenient and practical!

 

 

Stop into any Surge Financial Group to get approved for a VISA or a MasterCard today! Upon approval and you receive your FFCU Credit Card in the mail, call 1-800-543-5073 to activate.

To change your Visa or MasterCard PIN# call 1-866-297-3408.

To report you Visa or MasterCard Lost/Stolen call 1-800-237-6211 or 1-800-299-9842.

To place a dispute or report any fraudulent transactions on your Bank Visa or MasterCard call 1-800-299-9842.

 

 

+ Please see Terms and Conditions for rate, fee, and other cost information. All terms, including the APRs and fees, are subject to change at any time, for any reason, in accordance with the Credit Card Agreement and applicable law.
* APR = Annual Percentage Rate
In accordance with the Credit Card Act of 2009, borrowers applying for a credit card under the age of 21 must either show proof of "ability to pay" or have a qualified cosigner over 21 years of age.