Credit Cards

Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2023. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.

Limited Time Offer. Applications are subject to approval. This offer is valid through 3/31/2023. You will receive 20,000 bonus points with this bonus offer, which can be redeemed for $200 cash back, when you spend $2,000 on purchases in the first 90 days from account opening of the VISA® Signature Credit Card. Cash back is applied as a statement credit. "Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, interest, unauthorized or fraudulent charges, and fees of any kind. Points deducted if purchase returned. If you earn the 20,000 bonus points when you spend $2,000 in purchases within 90 days of account opening, please allow up to 6-8 weeks for bonus points to post to your account. Only one VISA® Signature Credit Card per member. Account must be open and not in default at the time of fulfillment.

Credit Card Rates. APR=Annual Percentage Rate. Offers subject to credit approval; terms may vary. Intro rate not available to current card holders. APR for Purchases for Visa Signature: 0% Introductory APR for 12 months. After that, your Standard APR will be 16.49% or 18.49% depending on your credit history. This APR will vary with the market based on the Prime Rate. Click here for rate and fee information, and here for our Credit Card Agreement. The information about costs of the card are accurate as of 02/01/2023.

Visa® Signature. Earns unlimited 1.5% cash back on every dollar spent. Example: $1,000 spent earns 1500 points, which may be redeemed for $15 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

Visa® Rewards. Earns 1% cash back on every dollar spent on qualified purchases. Example: $1,000 spent earns 1000 points, which may be redeemed for $10 cash back. Cash back not earned on cash advances. Cash back is applied as a statement credit: minimum $10 needed to redeem.

Pay Your Bill Cash Back. Offer valid for members or applicants that qualify for membership and open a new Starter Card account (subject to credit approval) using promo code Credit101. Upon opening the Starter Card account with promo code Credit101, you can earn $5 a month and up to $30 max, for on-time monthly payments made in your first 6 billing cycles. To qualify for the $5 credit, the payment must be made by the payment due date shown on your billing statement and must be greater than $0 and greater than or equal to the minimum payment due on your account. Each $5 credit, up to $30 max, will be deposited into your membership Savings account within 60 days of the on-time payment. You must be in good standing with the Credit Union at the time of the $5 deposit. Offer ends 12/31/2023 and is subject to change without notice. Limit six $5 deposits (max $30) per member and per qualifying Visa® Low Rate card account. The $5 credits may be subject to IRS tax reporting.

Credit 101 Trivia Game Cash Back. Offer valid for members or applicants that qualify for membership and open a new Starter Card account (subject to credit approval) using promo code Credit101. Upon opening the Starter Card with promo code Credit101, you will receive instruction for completing CommunityAmerica’s Credit 101 trivia game via your mobile phone. Standard text messaging rates and data charges may apply. To qualify for the $10 credit, you must complete the Credit 101 trivia game and be in good standing with the Credit Union at the time of the $10 deposit. The $10 credit will be deposited into your membership Savings account within 60 days of account opening if qualifications are met. Offer ends 12/31/2023 and is subject to change without notice. Limit one $10 deposit per member. $10 credit may be subject to IRS tax reporting.

CommunityAmerica Visa® Zero Liability Policy does not apply to ATM transactions or to PIN transactions not processed by Visa®.

High Interest Savings. First Tier: 3.92% – 4.00% APY from $1.00 – $1,500, if First Tier qualifications are met. Second Tier: 0.03% APY on $1,500.01 or more, and on balance if First Tier qualifications are not met. The account requires a $1 minimum opening deposit. The Annual Percentage Yield (APY) shown is effective as of 01/01/2023, unless otherwise noted. Rates are variable and may change without notice after the account is opened. Fees could reduce earnings on this account. Balances up to $1,500 will earn first tier APY when ‘Qualifications for cash back’. Each statement period that Qualifications are met after the account opened, the first tier APY will be applied to the next statement period. Due to compounding, interest earned may push balances into next rate tier, causing an APY change. Please see rate page for range. If Qualifications not met, the first tier APY will discontinue and will revert to the credit union’s base rate for Savings accounts until ‘Qualifications for cash back’ are reestablished. Balances of $1,500.01 or more will earn the credit union’s current applicable base rate for Savings accounts. Limit one High Interest Savings account per member. Business, IRA, and Minor accounts not eligible for this product. Qualifications for cash back: The membership account number tied to the High Interest Savings account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.

Cashback Free Checking. Earn 1% cash back, up to $5 per month, on monthly point-of-sale debit card transactions posted to a Cashback Checking account when ‘Qualifications for cash back’ are met. Qualifications must be met under a single membership account on the day before the last day of the month to receive benefits for that same month. Cash back will be deposited into the Cashback Free Checking account by the 5th calendar day following the month qualifications are met. Cash back will not be calculated for month(s) in which the qualifications are not met. Cash back earnings rate accurate as of 01/01/2023 and may change without notice after account opening. Contact us at 800.892.7957 to find out the current cash back rates. This account requires eStatements to avoid conversion to different checking product not eligible for cash back. Limit one Cashback Checking account per membership account number. Business accounts not eligible for this product. Cannot be opened in conjunction with Premier, Interest, Investors, Loan Advantage or Cashback Free Checking. Qualifications for cash back: The membership account number tied to the Cashback Checking account must complete the following: Enrolled in eStatements; Monthly direct deposit of at least $250 posted to one deposit-suffix; 15 posted point-of-sale debit card transactions per month to a single checking-suffix; OR Enrolled in eStatements; 25 posted point-of-sale debit card transactions per month to a single checking-suffix. Transactions exclude refunds, credits, fees, pre-authorizations and ATM transactions.

Apple and Apple Pay are trademarks of Apple Inc. registered in the U.S. and other countries. Samsung Pay is a trademark of Samsung Electronics Co., Ltd. Google Pay trademarks of Google Inc.