Work hard, play hard, and spend smart worldwide.
Establish good credit, stretch your budget, and earn rewards with the power of Visa®.
Benefits You’ll Love
- Earn rewards when you spend
- Enjoy an APR as low as 10.99%
- Easily view and manage account online
- Conveniently and securely apply online
With a VISA credit card, you can have purchasing power in your hands, as well as peace of mind.
- Unlimited rewards points that don’t expire
- Learn more about how to earn and redeem
- No annual fees
- Flexible spending and payment options
- 0% Intro APR on Purchases and Balance Transfers for 12 months.*
- After that, a variable APR, currently 12.24% - 22.24% will apply.*
- Free FICO Score1
- Fraud Monitoring and Zero Fraud Liability
- SecurLOCKTM Email and Text Fraud Alerts
- Easily replaced if lost or stolen
- Cell Phone Protection2
- Travel Accident Insurance3
- Mobile Payments, for a safe and secure way to pay
- Easy online account management
- Visit MyCardStatement.com to log into your account
- 24/7 customer services available
- Call 1-800-883-0131
- Or email [email protected]
- Competitive rates
- 0% fixed introductory APR5
- No annual fee
- Different Visa® cards available for different business needs
- Additional employee cards available at no extra cost
- Transaction Reporting to help make record-keeping easier
- Credit Line Sharing & Consolidated Statements
- Easy online account management
- Access via MyCardStatement.com
- Mobile Payments, for a safe and secure way to pay
- Email and Text Fraud Alerts
- Fraud Monitoring and Zero Fraud Liability
- Easily replaced if lost or stolen
- Travel Accident Insurance6
- Personal service from people you know
*0% Intro Annual Percentage Rate applies to purchases and balance transfers for the first 12 billing cycles after account opening. When this period ends, your APR will vary based on the highest U.S. Prime Rate published in the Wall Street Journal on the last business day of the calendar month prior to your statement closing date (“Last Business Day”) and apply it beginning with the first billing period following the Last Business Day. We add a margin to the Prime Rate to determine variable APRs. APRs shown here are based on a 5.50% Prime Rate. For each billing period, the APR may increase or decrease with the Prime Rate. Rewards Platinum APRs are currently between 12.24% and 22.24%. Rates are accurate as of September 1, 2022 and are subject to change. To find out what may have changed, contact us or check our website for current rates. If you make a late payment or make a payment that is returned unpaid during the introductory period we may end your introductory APR and apply the standard purchase and balance transfer APR. Balance transfer fees are either $5 or 3% of each balance transferred, whichever is greater. Cash advance fees are either $5 or 3% of each cash advance, whichever is greater. Foreign transaction fees, for merchants located outside of the U.S., are (a) 1% of the U.S. dollar amount of the transaction, if converted from a foreign currency, or (b) 1% of the U.S. dollar amount of the transaction, if made in U.S. dollars. Subject to credit approval. This card is issued by TCM Bank, N.A.
1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.
2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit visit the FAQ section at www.cardbenefitservices.com or call 1-866-894-8569.
3Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
Term | Interest Rate | APY |
---|---|---|
3 Months | 1.00% | 1.01% |
6 Months | 3.25% | 3.30% |
12 Months | 3.10% | 3.15% |
18 Months | 3.00% | 3.05% |
24 Months | 3.00% | 3.05% |
30 Months | 3.00% | 3.05% |
36 Months | 3.00% | 3.05% |
Minimum deposit to open is $1,000. Penalty for early withdrawal.
Checking Accounts
Account | Minimum Deposit To Open | Interest Rate | APY |
---|---|---|---|
Business Interest Checking | $1,000 | 0.05% | 0.05% |
Kasasa Cash*
Balance | Interest Rate | APY |
---|---|---|
0 - $10,000 | 1.98% | 2.00% |
$10,000+ | 0.15% | 2.00% to 0.32% |
All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
That's it! If for some reason you don't qualify, you still earn the base interest rate. You can get back to earning the full rewards the very next monthly qualification cycle.
Kasasa Saver*
Balance | Interest Rate | APY |
---|---|---|
0 - $10,000 | 0.25% | 0.25% |
$10,000+ | 0.15% | 0.25% to 0.16% |
All balances if qualifications not met | 0.03% | 0.03% |
Qualifications
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 12 debit card purchases
- Be enrolled and agree to receive e-Statements
- Be enrolled in and log into online banking
And that's it! And if for some reason you don't qualify, you can still earn the base interest rate. You can get back to earning the full rewards the next monthly qualification cycle.
Loan Rates
Our rates are designed to meet several situations. Please call to discuss rates with one of our lenders.
Savings Accounts
Account | Minimum Deposit To Open | Interest Rate | APY |
---|---|---|---|
Regular Savings | $100 | 0.10% | 0.10% |
Youth Savings | $5 | 0.10% | 0.10% |
Personal Money Market | $2,500 | 0.05% | 0.05% |
Business Money Market | $2,500 | 0.05% | 0.05% |