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Home - Emporia State Federal Credit Union

Credit Cards

Visa Credit Card

Locally Owned, Locally Approved, Locally Serviced by your staff at Emporia State Federal Credit Union. 

ESFCU VISA allows you the freedom of credit with the swipe of your card. No annual fee. Earn points on all purchases redeemable at www.ScorecardRewards.com 

Above all else, your card is serviced right here at ESFCU. You can view your card transactions at anytime or make a payment with Online Banking access. We can easily raise your limit temporarily, block transactions or file a fraud report for you.  When you call us, you will talk to a person - every time!  620-342-2336 

Rates and Rewards

Just caught sight of your credit card bill? Wise up with a balance transfer to an ESFCU credit card.

As an added bonus, those who qualify for the Visa Platinum Plus and Visa Classic cards can take advantage of our Introductory rate of 3.99% APR on purchases and balance transfers for 6 months**. There is NO Annual Fee and NO Balance Transfer Fee!

Apply Now

Visa Platinum Plus

  • 3.99% APR* Introductory Rate**
  • Non-variable rate as low as 9.49% APR* for all purchases
  • No annual fee
  • No balance transfer fee

*APR = Annual Percentage Rate.

**3.99% Introductory APR for a period of six (6) billing cycles. After that, your APR will be as low as 9.49%.

Visa Classic

  • 3.99% APR *Introductory Rate**
  • Non-variable rate as low as 12.49% APR* for all purchases
  • No annual fee
  • No balance transfer fee

*APR = Annual Percentage Rate.

**3.99% Introductory APR for a period of six (6) billing cycles. After that, your APR will be as low as 12.49%.

Visa Traditional

The Visa Traditional program is reserved for members with not so perfect credit. It's meant to be a stepping stone to our Visa Classic.

  • Non-variable rate as low as 16.49% APR* for all purchases
  • No annual fee
  • No balance transfer fee

*APR = Annual Percentage Rate. Range of rates available are as low as 9.49% to 18.00% APR.

Rates, terms and conditions are subject to change and may be based on creditworthiness and qualifications. All loans are subject to approval. Cash Advance fee: $10.00 or 5.00% of the amount of each cash advance, whichever is greater. Foreign Transaction fee: 1.00% of each multiple currency transaction in U.S. dollars; 0.80% of each single currency transaction in U.S. Dollars.

Ask About Scorecard Rewards

Ask about scorecard rewards! Score More Rewards from Scorecard.Because LIFE should be REWARDING!

Just log in to ScoreCardRewards.com to open up the world of rewards.  The first time you log in, receive 500 Bonus Points immediately!

You can shop at the Mall where there are over 1600 items available with top brand names like Apple, Dyson and Sony.  OR shop online or in-store at participating retailers and earn 2X, 3X, 4X & MORE in BONUS POINTS and discounts.  Popular retailers like Macy's, JC Penney, Walmart.com and more!