A credit card designed around your life—not hidden fees.
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Compare credit cards from Community Focus Federal Credit Union with competitive rates, no annual fees, mobile wallet compatibility, and options for building credit or managing everyday purchases. Whether you're building credit for the first time or managing everyday spanding, we offer simple options designed to give you control.
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A simple, low-rate card for groceries, gas, dining, and everyday spending.
Be prepared when life happens with a card that gives you access to funds when you need them.
Just getting started? We have options designed to help establish or rebuild credit responsibly.
Add your card to Apple Pay®, Google Wallet™, or Samsung Wallet™ for secure, contactless purchases.
Spread out larger purchases while enjoying the convenience and flexibility of a Community Focus credit card.
Best for flexibility and larger purchases
Highlights:
Best for members who:
Build or rebuild your credit using funds from your savings account as collateral.
Great for
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A starter credit card for young adults ages 18–26 looking to establish credit and build healthy financial habits.
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We'll help you compare rates, credit-building options, and spending features to find the right fit.
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Work with people who know you—not a national call center.
Access your account, monitor transactions, and make payments online.
Pay securely with Apple Pay®, Google Wallet™, and Samsung Wallet™.
Keep more money in your pocket with cards designed to be affordable.
Getting started is easy. You can apply online, visit a branch, or contact our team to discuss your options and find the card that best fits your needs.
Yes. Community Focus credit cards can be added to Apple Pay®, Google Wallet™, and Samsung Wallet™ for convenient and secure payments.
No. Our credit cards are designed to be affordable and easy to use, with no annual fee so you can keep more money in your pocket.
That depends on your goals. If you're looking for everyday spending and added purchasing power, one of our traditional credit cards may be a good fit. If you're focused on building or rebuilding credit, our Share Secured Credit Card or MyWay Credit Card may be a better option.
Yes, we offer balance transfers on our Mastercard credit cards.
Absolutely. Many members use their credit card for groceries, gas, dining, online shopping, travel, and other everyday expenses.
Please allow 7-10 days to receive your credit card in the mail.
Yes. When used responsibly, a credit card can help you establish or improve your credit history. Making payments on time and keeping balances manageable are two of the best ways to build strong credit.
Whether you're looking for everyday spending power, building credit, or financing larger purchases, we'll help you choose the card that fits your goals.
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*APR=Annual Percentage Rate. Introductory rate is valid for the first six billing cycles. After that, the rate reverts to 11.90% APR or 13.90% APR as specified in your Credit Card Agreement. Your individual rate (APR) will be determined based on your credit score. Subject to credit approval. The method to compute the balance for purchases is average daily balance. Additional limitations, terms and conditions apply, see Credit Card Disclosure.