Platinum VISA Credit Cards


Coming Soon!  Our New EMV Chip Platinum Visa - What You Need to Know:


What is EMV?

EMV (Europay, MasterCard and Visa) is a global standard for cards equipped with the technology used to authenticate chip-card transactions.  In the wake of recent large-scale data breaches and increasing rates of card fraud, U.S. card issuers are migrating to this new technology to protect consumers and reduce the costs of fraud.


How does EMV protect my card against fraud?

That small, metallic square you'll see on new cards is a computer chip, and it offers big protection against fraud.  Unlike magnetic-strip cards, every time an EMV card is used for payment at a merchant terminal, the card chip creates a unique transaction code that cannot be used again.  EMV technology will not prevent data breaches from occurring, but it will make it much harder for fraudsters to successfully profit from what they steal.


How do I use an EMV card to make a purchase?

With EMV cards, you no longer have to master a quick card swipe in the right direction.  Chip cards are read in a different way.  Instead of swiping your card, you are going to do what is called “card dipping,” which means inserting your card into a terminal and waiting for it to process.  When an EMV card is “dipped,” the chip data verifies the card's legitimacy and creates a unique transaction code.  Once the transaction is approved and completed, you will remove your card from the terminal.  It will take a bit longer to process, so a little patience will be necessary.


What if I want to use my chip card at a store that doesn't have EMV technology yet, will my card still work?

Yes.  The first round of EMV cards will be equipped with both a chip and magnetic-strip so your spending won’t be disrupted.  If chip card readers are not in place at a merchant at all, your EMV card can be read with a swipe, just like a traditional magnetic-strip card.


When will I receive my new EMV Platinum Visa card? 

We will begin issuing EMV chip cards beginning in December.  Please make sure to destroy your old plastics and begin using your new chip cards upon receipt.


Visa Chip

Our Platinum VISA Cards offer you the following benefits:

  • No Annual Fee
  • Rates as Low as 8.95% APR*
  • Free Balance Transfers
  • Zero Fraud Liability
  • Generous Credit Limits
  • 5-Day Late Payment Grace Period (beginning with due date)
  • ScoreCard Reward Points - Earn 1 Point for Every $1 Spent with Every Purchase

•••APPLY TODAY!•••  Click HERE for a Printable Application and Disclosure or call 216-581-5581 (toll-free 800-867-8434) for more information.

Looking to Increase Your Line of Credit?  Click HERE for a Printable Request Form

Protect Your Visa with Emerald Payment Protection*

No matter the reason for using your Visa credit card, it can be a financial gamble because things happen…life happens.  You’re betting you can pay back your balance and not lose your job (through no fault of your own), become disabled (due to injury or illness), take family leave, or pass away.  All of which could leave your family responsible for your loan balance.  Get the payment protection you need to lessen the worries about repaying loans during a time when your income may be reduced or lost.  Protected events include: 

• Loss of life

• Disability

• Involuntary Unemployment

• Family Leave

Calculate your estimated protected loan payment amount HERE.


Verified By Visa

EZ Card Info - Check Balances & Activity or Make Payments

ScoreCard Rewards - View Merchandise & Redeem Points

To report a lost or stolen card, or for account information please call 1-800-808-7230


*APR=Annual Percentage Rate. The APR and credit limit you may qualify for at account opening will depend on your credit worthiness. Restrictions apply. All rates and promotions subject to change.  Your purchase of Emerald Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan.  Certain eligibility requirements, conditions, and exclusions may apply.  Please contact a loan officer for a full explanation of the terms of Emerald Payment Protection. You may cancel protection at any time.  The Loan Calculators are intended to provide approximate information about your loan payment and do not constitute an offer to extend credit. Your actual payment information may vary.



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