Kelly Community will be closed Monday, May 27 in honor of Memorial Day. Our digital services are open even when our locations are not. 

“May we never forget our fallen comrades. Freedom isn’t free.” – Sgt. Major Bill Paxton

Credit Cards


Think of the things you can do with a credit card.

Apply For A Credit Card >

Low rates and shopping convenience in your wallet with an available credit line from your trusted credit union.

Introducing our NEW Rewards Credit Card

Now you have two valuable credit card options from Kelly Community. With our new Rewards card, earn points on purchases that can be redeemed for travel, entertainment and more.

Earn Points on All Purchases
  • 1% reward on all purchases
  • 2% percent reward on gas and groceries
Great Start Bonuses
  • Earn 10,000 points ($100 value) for spending $2,500 within the first 90 days after receiving your Rewards card
  • Earn 500 Points ($5 value) just for checking out the rewards site in the first 90 days after receiving our card
No Transaction Fees
  • Kelly Community will cover all transaction fees for redemptions
Enhanced Benefits
  • Use ShopSPOT to supercharge your rewards
  • Enjoy instant fuel redemption for $.50 cents off per gallon (up to 20 gallons)
Redeem Points for:
  • Cash
  • Statement Credit
  • Gift Cards
  • Travel
  • Charity
  • Merchandise
  • Sports Tickets
  • And more
Easy Access
  • Access the Rewards Card site with a single sign-on directly from online or mobile banking


Kelly Community MasterCard®

Credit card rate as low as 13.50% APR*
Balance transfer rate: 5.9% APR*


  • Expand access to your money and credit with the Kelly Community MasterCard® that is backed with the relationships you know and trust
  • Introductory balance transfer rate as low as 5.90% APR* for the transferred balance until paid off
  • Lower rate than most bank-issued credit cards
  • No annual fee
  • No cash advance fee for in-branch transactions**
  • Use the CardControl® app to turn your card on and off, restrict purchases made with the card and more.

Download Disclosure Terms & Conditions

Disclaimer: See online credit card application and/or Solicitation/Disclosure for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, download the application/disclosure/solicitation provided by the link above and review the provided info.
*Rate subject to credit approval and based on credit rating and current prime rate. Maximum penalty rate is 18% APR.
**In-branch transactions must take place during normal business hours at Grande or 5th Street branches of Kelly Community Federal Credit Union.


  • 5.9% Intro APR is in effect until the subject APR balance is paid off. Member has three (3) months from the time the account is opened to transfer balances to the credit card for the Introductory 5.9% APR.
  • Penalty APR is 18% and will be reduced once six consecutive minimum monthly payments are made when payments are due.
  • The standard variable APR for cash advances is 13.50%-18.00%. Please note that these rates will vary with the Prime Rate.
  • Foreign Transaction Fee: 0.90% of each transaction in U.S. dollars completed outside the U.S. and 1.10% of each transaction in U.S. dollars completed in a foreign currency.
  • Cash Advance Fee: none
  • New cardmembers only. Subject to credit approval.
  • Additional limitations, terms and conditions apply. You will be given further information when you apply.


Choose the card that’s right for you:


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