Credit Card Options

Carrying A Balance

On Your Credit Card?

Emery’s low-interest credit cards can be your perfect solution! Take your high-rate credit card balances and transfer them all to your Emery credit card. Plus, there are no fees for balance transfers!

Start Your Balance Transfer Today

A Card for Whatever You Need

Looking for a secure, rewarding and convenient way to make purchases? With low interest rates, chip card security, and additional travel and low cash advance fees, simply choose the right card that works the way you like to shop.

Both our Platinum and Rewards cards offer 24/7 online account access and charge no balance transfer fees. See a complete list of each of our card features – and how they compare to national credit cards. Make your money worth more with a credit card from Emery Federal Credit Union.

 Emery FCU
Platinum Credit Card
 Emery FCU
Rewards Credit Card
Credit Cards**
APRas low as 12.24%*as low as 14.24%*National Average is 20.93%*
Earn Rewards PointsNoneYes! Redeem for gift cards, travel discounts
and merchandise.
Annual FeeNoneNoneRange from $25 to $450
Balance Transfer FeeNoneNone3% of Transferred Balance
Default RateNoneNoneCommon Default Rate is 28.89%
Card BenefitsIncludes Auto Rental Collision Damage Coverage, Travel Accident Insurance ($1,000,000), Extended Warranty Coverage and $300 Baggage Delay BenefitVaries
Local SupportHave a question or concern? Call your local Emery branchWho knows?
Cash Advance APR17.99% MaximumNational Average is 25%
Cash Advance Fee2% of the cash advance; $5.00 minimum4% of the cash advance; $10.00 minimum
Late FeeUp to $25Up to $38

Check out our unbeatable rates!

Click to view Table

*Based on credit worthiness. Your APR may vary. Index = Wall Street Journal Prime rate.
**As reported by™ as of August 18,2023.
APR = Annual Percentage Rate.

Secured Credit Card

Looking for a way to build your credit or give it a boost? Emery’s secured credit card is the perfect option for you.

When you are approved for a secured credit card, you’ll pay that total credit limit when you open the card. You’ll continue to use it like a credit card in order to build your credit score, but there’s an extra safety net for you to not charge over your designated limit. This will also help to improve your score!


Card Controls


Card Controls

Download from Google Play     Download from Apple App Store

Get real-time access to your credit and debit cards with Emery Card Controls.

Emery Card Controls gives you the power to decide how and when your cards can be used, in addition to how and when to alert you.

You can:

  • Turn your card on or off when it’s lost or not in use
  • Enable your location to restrict transactions to certain areas
  • Create custom alerts or restrictions based on merchant type, transaction amount, etc.
  • Receive real-time alerts to stop unauthorized purchases before they’re complete
  • Make spending limits for yourself to help you with personal financial goals

Wallet Pay

Use your Emery credit card or debit card to make purchases on the go without carrying the cards with you.

If you have an Android phone (4.4 or higher) you can choose Google Pay or Samsung Pay (select models) from The Play store. Apple Pay works with iPhone 6® and later, and the Apple Watch®. (The Wallet app is already installed on Apple devices.)

When paying for your purchase you display the app and hold your phone up to the card terminal. A “token” or one-time identifying number is used, so your actual information is not shared when you shop, giving you extra security.

Mobile Pay Choices

Platinum and Rewards Credit Card Disclosure

Platinum Credit Card Disclosures
Rewards Credit Card Disclosures

Our Locations


For You

Show Me More

You are now leaving Emery Federal Credit Union

You are leaving Emery Federal Credit Union’s website to visit one of our partner’s websites. By clicking OK, a new window will open in your browser.

You will be redirected to

Click the link above to continue or CANCEL