Our interest rates start at 10.99% APR for our Visa Classic Credit Card and only 9.99% APR on our Visa Platinum Credit Card. Take a look at what you’re paying on your current bank credit card. Come into one of our convenient locations in Cheboygan, Indian River, or Mackinaw City for all the details.

Straits Area Federal Credit Union charges no monthly fees on Visa Credit Cards. We charge no annual fee. And there are no additional fees for cash advances (most other cards charge a higher interest rate for cash advances or charge some kind of additional fee).

Our Straits Rewards bonus program allows you to gain bonus points for each dollar spent.  Purchases made at certain locations even offer double bonus points!  Points can be redeemed for a wide range of items including electronics, household appliances, or even airline tickets.   You can even use your rewards for Cash Back or Statement Credits.   Every Straits Area Federal Credit Union Visa Card is automatically enrolled in our bonus program.

You can make your payment at any of our credit union branches so you don’t have to mail in a payment. You can pay online or through text banking. It’s all so easy when you save money on your Visa Credit Card at Straits Area Federal Credit Union.

Stop in today and see one of our friendly tellers in Cheboygan, Indian River, or Mackinaw City. Or you can start your application online. Why pay too much for your credit card services?

Our cards can be added to Apple, Google, or Samsung Pay.