A credit card should work for you, not against you. 1st Ed Credit Union offers Visa Classic and Visa Platinum credit cards with low interest rates, no annual fee, and worldwide purchasing power. As a member-owned credit union serving South Central Pennsylvania, we keep rates and fees fair so you can spend, pay down balances, and earn rewards with confidence.
At 1st Ed Credit Union, you’ll enjoy the ease of worldwide purchasing power with two Credit Card options – Classic or Platinum VISA®.
Both offer convenient features to help you save:
- No annual fee
- No balance transfer fee
- No cash advance fee*
- 25-day grace period on purchases
- Online access – monitor accounts and make payments online
- Card Controls with 1st Ed SmartWallet
- Earn Rewards Points – redeem for gifts with Platinum VISA®
Visa Credit Cards
| Info and/or Terms | APR |
|---|---|
| VISA Classic (as low as) | 9.50% |
| VISA Platinum (as low as) | 9.50% |
*APR = Annual Percentage Rate. Credit limit and rate may vary depending on credit score. Rates are subject to change without prior notice. Equal Opportunity Lender. Not a member? Visit https://www.1edcu.org/about-us/membership/ to see if you qualify.
We service all of our VISA® accounts locally.
This gives you the convenience to view your charges and account history at any time – online or in person. You can also make payments by transferring funds from one of your 1st Ed deposit accounts.
Start saving money today and transfer your outside credit card and or loan balances to a 1st ED Visa! Click here to apply and for more details.
*Finance charges apply when balances are not paid in full and are assessed on all cash advances at the time of the advance.1st Ed VISA® Card
Start saving today with a 1st Ed VISA® Card. Shop anywhere, and have peace of mind with local service from your credit union.
Click below 24 hours a day to start your application anytime. You can also call 717-264-6506 (option 6) for a representative to take your application by phone.
To Report a Lost or Stolen Card Call:
For debit cards: 800-472-3272
For credit cards: 888-999-7732
To report credit card fraud: 888-999-7732
VISA® Rewards for 1st Ed Credit Union
Your everyday purchases have never been more rewarding! 1st Ed Rewards is a simple, easy-to-use program that rewards you with points each time you use your debit or platinum credit card. From groceries to utility bills to dining, your everyday purchases will really pay off.
Low Interest Rate Credit Cards
Our Visa credit cards are designed with a low interest rate to help you save on the balances you carry, whether you are financing a large purchase or consolidating higher-rate debt from other cards. Compared with many national bank cards, a credit union credit card with a low interest rate can save you real money over time.
Building or Rebuilding Credit
If you are new to credit or working to rebuild it, using a credit card responsibly is one of the most effective ways to establish a strong credit history. Keep your balance low, pay on time every month, and your score can grow over time. See our guide on easy ways to build credit for more tips.
Serving Members Across South Central Pennsylvania
1st Ed Credit Union serves members through branches in Chambersburg, Greencastle, and Hanover, with a field of membership spanning Adams, Cumberland, Franklin, Fulton, and York Counties. If you live, work, worship, or attend school in the area, you may be eligible to join and apply for a Visa credit card.
Visa Credit Card FAQs
Both our Visa Classic and Visa Platinum cards are built around a low rate with no annual fee. See the rate table above for current APRs, then choose the card that fits how you plan to use it.
One of the most effective ways is to move a balance to a lower-rate card. A credit union Visa with a low interest rate can save you money versus many store or national bank cards, especially if you carry a balance.
Use the card regularly for planned purchases, keep your balance well below your limit, and pay on time every month. Those on-time payments are reported to the credit bureaus and help build a stronger credit history over time.