Day-to-Day Loans Credit Card Credit Available at your fingertips More than just a status symbol, your Mastercard® credit card affords the flexibility to pay for what you need, when you need it. Benefits Each of our cards has benefits depending on your unique situation. No Annual Fees All of our credit cards come with no annual fees Competitive Rates We provide competitive industry rates when you apply for your credit card today Rewards Choose our platinum rewards card and start earning points today. Compare Credit Cards Best if you want Best if you want No Annual Fee No Annual Fee Interest Rate (APR) Interest Rate (APR) Cash Advance (APR) Cash Advance (APR) Platinum – no rewards Best if you want A classic credit card to help build your credit history or for future purchases. No Annual Fee Interest Rate (APR) 11.75%-18.00% Cash Advance (APR) 11.75%-18.00% Platinum with Rewards Best if you want A credit card with rewards. The more you use your credit card the more reward points you can build up. No Annual Fee Interest Rate (APR) 13.75%-18.00% Cash Advance (APR) 13.75%-18.00% Apply for an account today Easy Repayment Plans Pay Online Transfer money straight from your basic or rewards checking Account or ACH transaction through your preferred financial institution Minimum payments designed to keep you out of debt Our minimum payments are slightly higher than industry average so you aren’t paying off a balance for 10 years. As a credit union we want to help our members maintain good credit not get stuck in debt traps. Apply for a Credit Card Sit down with a Financial Services Rep Schedule an appointment Apply Online Start application Check Your Application Status Check Status Call Us 24/7 (661)327-9461 Toll Free: (800)336-5376 View Mastercard Benefits Consumer credit card agreement and disclosure How can I make credit card payments? Credit card Payments can be sent: In the mail Over the phone By transfer from Strata Credit Union account in Online Banking or from any financial institution by accessing your credit card in online banking and making a payment there. What’s the difference between a debit card and a credit card? A Credit Card account is a loan which may be paid back monthly or in full as you use it. A Debit Card uses funds that are available in your Checking Account How to make a payment from another financial institution? With online banking you can set up external transfers while within online banking. Sign into online banking and select “Add External Accounts” in the left navigation. Follow the instructions on the screen to set up the link between our online banking and your other financial institution. Part of the process will be to verify micro-transactions sent to the external account you indicated to ensure the connection is secure and successful. After you have successfully finished verifying you will be able to transfer money to make your loan payment from within Online Banking. Do you offer secured credit cards? We no longer offer secured credit cards. An alternative we provide to build credit is our Credit Builder Loan. We have seen more success in regard to credit building through this loan type as opposed to secured credit cards.