Credit Card

our credit card is on point. earn scorecard rewards for everyday purchases.

Forest Area Federal Credit Union (FAFCU) offers both a secure and unsecured VISA credit card to qualifying members. See which one is right for you and apply now to get started. Plus, sign up for ScoreCard rewards to earn points on everyday purchases.

Benefits include:

  • No Annual Fee
  • Earn 1 VISA ScoreCard Rewards Bonus point for every $1 spent
  • Flexibility - Limits available $500-$20,000
  • CardNav App Access
  • Use for purchases wherever VISA is accepted

An unsecured VISA credit card is for well qualified members who have shown good financial behavior over time. This card allows you to spend up to your credit limit using your line of credit. Plus, our unsecured VISA Credit Card typically has a lower interest rate than most finical institutions. 

Not able to qualify for an unsecured VISA Credit Card? We’ve got you covered. 

Our secured VISA is perfect for members with no credit rating or those who are not able to qualify for an unsecured VISA. It works the same as a Credit Card but the limit is based on the your own funds that are secured toward the card. 

When you sign up for ScoreCard Rewards, you’ll earn valuable bonus points when making qualifying purchases with your FAFCU 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 and account or login to redeem points towards travel or merchandise at

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.

CardNav gives you full control over your credit card usage in a way you’ve never had before. It’s great for business members whose employees use company cards, for parents looking to monitor their children’s spending, and for anyone wanting to ensure their cards are being used how they want, where they want.


  • Set controls regarding the transaction types, geographic rules, and the merchant types where your card can be used
  • Turn any card on, or off—in seconds 
  • Receive alerts when suspicious activity is suspected – set by location, transaction type, merchant type, and threshold
  • Ensure you are the only person using your cards with GPS capabilities
  • Budget by setting dollar limits for transactions, and receive alerts when those limits are being reached
Getting Started
To get started, download the mobile app today. Available on both Apple or Android devices.

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 your 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 – available on both Apple or Android devices.

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 debit 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.

Not a Member?

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

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