RTP Federal Credit Union
  • Personal
  • Business
  • Services
  • Membership
  • About Us


First Time Visa® Credit Card

Designed for members with low credit or no credit, the First Time Visa Credit Card allows you the benefits of our Platinum Visa® Credit Card with a low credit limit and a fixed interest rate. You'll even have access to UChoose® Rewards. Properly managing a credit card is one of the best ways to build good credit and with the First Time Visa Credit Card, after a year of on time payments, you'll have the opportunity to apply for a limit increase.  

Our Platinum Visa® Credit Card offers UChoose® Rewards!

Learn more about the benefits of the UChoose® Rewards program

First Time Visa Card Guidelines
Credit Limit Range
  • $500 - $1,500
  • Credit limit not to exceed 1/2 of the member's gross monthly income
Interest Rate
  • 12.00%*
  • Must be employed for a minimum of six months with present employer
  • Minimum gross monthly income of $1,500
  • No derogatory credit
  • First Time Visa Cards are eligible for UChoose® Rewards
  • After 12 months of on time payments, member may apply for a limit increase

Call (919) 941-5700 to speak with us about getting your First Time Visa Credit Card!

 * Restrictions may apply.

NCUA Equal Housing Lender
follow us » FacebookTwitterLinkedIn