Credit Card

Forest Area Federal Credit Union (FAFCU) offers a convenient VISA credit card to meet your everyday needs. 

With low APR and transfer rates, and cash back bonus, the VISA Credit Card from Forest area is the best of both worlds.  Enjoy multiple benefits, all in one card! Whether you are looking to earn rewards on everyday purchases or build credit, we’ve got you covered. VISA credit cards are accepted virtually worldwide and a FAFCU VISA provides you with 24/7 access to all of your account information. 

0 %
intro APR* for purchases
0 %
cash back**
$ 10
Transfer Fee
*APR Annual Percentage Rate, based on credit worthiness.  **Cash back in the form of points.

No annual, balance transfer, or cash advance fees

Access to your FICO® Credit Score​

Card Control New Fraud Protection

Earn up to 1 ScoreCard Rewards Bonus point for every $1 spent

Every FAFCU VISA Credit Card is automatically enrolled in the free ScoreCard Rewards program.

New cards can receive $50 cash back after their first purchase, redeemable through ScoreCard Rewards! 

You’ll earn valuable bonus points when making qualifying purchases with your FAFCU VISA Credit Card. Points can be redeemed for gifts, travel, and more! ScoreCard Rewards has a robust catalog of name brand items and online ordering is easy.

Create an account or login to redeem points towards travel or merchandise at

  • The Card Control function, located within the It’sMe24/7 mobile app will allow you to Lock and Unlock your card(s) at any time; View recent transactions; Receive alerts any time the card is used based on your settings; and if necessary, Report a card lost or stolen with the touch of a button.

    To access the feature and enroll your FAFCU cards, log into the It’sMe24/7 mobile app, select “more” in the lower right corner and then “Manage my Cards.”

Are you a young adult looking to build credit? Or an adult look to repair your credit? This program might be for you.

Get a jumpstart on your credit and future by following the FAFCU Credit Builder 1-year Program. After meeting the initial membership requirements, you will be required to open a Share Account and overdraft line of credit. After 6 months, you can apply for a Visa Credit Card and once approved will be required to open a CD secured loan for $1,000 for 12 months. If you make all your payments and the secured loan is paid in full, then you will be able to use the funds as a down payment on a qualifying used vehicle loan.

Prior to traveling, please download the CardNav mobile App or contact one of our service representatives at 231-879-4154 to ensure that your card is ready to use. We will need to know your travel dates, which states/countries you will be visiting and a phone number and/or email address to use to contact you during your travels.

Your security is important to us. That’s why we’ve made it easy to manage your card if you suspect unusual activity. Follow these steps and visit a FAFCU branch near you to take the necessary steps to secure your account.

Mobile App

You can now easily manage your card activity and security from our mobile app. Temporarily lock your card or report your card as lost or stolen by downloading our mobile app. To lock or report your card follow these steps:

1) Download our mobile app on the App Store or Download our mobile app on Google Play.

2) Login to your account

3) Go to the more tab, then click manage my cards under member services

4) Click on the card you would like to manage

5) Under actions, click temporarily lock or report lost or stolen


For lost/stolen VISA credit cards inside of the U.S. call 888.241.2510 and 727.227.9012 outside the U.S. For cardholder services during business hours call 231.879.4154.

Screenshot of Card Controls App screen on mobile
Getting Started
To get started, download the It’sMe24/7 mobile app today. 
VISA Schumer Box

Not a Member?

We proudly serve members in Grand Traverse, Kalkaska, Antrim, Crawford, Missaukee, and Wexford counties who meet our membership requirements.

Discover our secure checking and saving accounts and excellent customer service. Apply to be a member today!

For our current interest rates, please visit our rates page. You must be at least 18 to apply for a credit card. For additional information about our credit card program, please contact us or read our Visa agreement.