Farmers State Bank
FreedomBank

MASTERCARD® DEBIT CARD



VISA® CREDIT CARDS

We offer a variety of options for your personal credit card needs. Read the disclosure for all card details, interest rates, and associated costs.

REWARDS PLATINUM

  • No annual fee*
  • No APR/interest for first 12 months.* After that, a variable APR, currently 13.74% – 23.74%, will apply.*
  • Earn one reward point for each dollar 1
  • Redeem points for merchandise, rental cars, cruises, hotels and airline tickets 1
  • EMV Chip enabled for stronger security

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CASH REWARDS PLATINUM

  • No annual fee*
  • No APR/interest for first 12 months.* After that, a variable APR, currently 16.74% – 26.74%, will apply.*
  • Unlimited 1% cash back on purchases 1
  • Redeem cash back for statement credit 1
  • EMV Chip enabled for stronger security

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VISA SIGNATURE TRAVEL

  • No annual fee*
  • No APR/interest for first 12 months.* After that, a variable APR, currently 16.74% – 22.74%, will apply.*
  • Earn 1.5 points for each dollar 1
  • Earn 30,000 points when you spend $2,500 in first three months 1
  • Redeem points for merchandise, rental cars, cruises, hotels and airline tickets 1
  • Special travel discounts and insurance may apply
  • EMV Chip enabled for stronger security

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PLATINUM EDITION

  • No annual fee*
  • No APR/interest for first 12 months.* After that, a variable APR, currently 12.74% – 22.74%, will apply.*
  • EMV Chip enabled for stronger security

APPLY NOW

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 7.00% Prime Rate.  For each billing period, the APR may increase or decrease with the Prime Rate.  Rewards Platinum APRs are currently between 13.74% and 23.74%, Platinum Edition APRs are currently between 12.74% and 22.74%, Cash Rewards Platinum APRs are currently between 16.74% and 26.74%, and Visa Signature Travel APRs are currently between 16.74%-22.74%. Rewards Platinum Cash Advance APR is currently 25.74%, Platinum Edition Cash Advance APR is currently 25.74%, Cash Rewards Platinum Cash Advance APRs are currently 25.74%-28.74%, and Visa Signature Travel Cash Advance APRs is currently 25.74%. All APRs are based on creditworthiness. Rates are accurate as of January 1, 2023 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.

1 Rewards available with Rewards Platinum, Cash Rewards Platinum, and Visa Signature Travel credit cards only. To access rewards, your account must be open and in good standing.