Credit Cards & Personal Loans

Explore a competitive and secure alternative to checks, cash and debit cards with MasterCard products from Clarity Credit Union. Credit cards can provide protection and flexibility when you want to make important purchases.

We offer many features and benefits including: no annual fee, reward points and zero liability fraud protection for purchase.

With the right credit card, you can have additional spending capability anywhere MasterCard is accepted.

Platinum Credit Card features include:
  • No Annual Fee
  • A Low Fixed interest rate
  • Flexible Payment (2% of Balance or minimum $25)
  • Free CardNav App
  • Score Card Reward Points
    • Redeem your points for cash, gift cards,
      merchandise or travel
    • Track and manage your points online
  • Zero liability fraud protection for purchase

Classic Credit Card features include:

  • No Annual Fee
  • A Low Fixed interest rate
  • Flexible Payment (2% of Balance or minimum $25)
  • Free CardNav App
  • No Fee Cash Advances
  • Zero liability fraud protection for purchase

Secured Credit Card
Whether you are just starting out with little or no credit, or you’ve had credit problems in the past, our Secured Credit Card can help get you on the right path to a solid credit future!

Unlike debit or pre-paid cards, this card payment information is sent to major credit bureaus, helping you build your credit history.

  • Deposit an amount from $250 to $2,500 into a special secure savings account. Your credit card limit equals the amount deposited in that account.
  • A Low Fixed interest rate
  • Flexible Payment (2% of Balance or minimum $25)
  • Free CardNav App
  • No Fee Cash Advances
  • Zero liability fraud protection for purchase

CardNav –
A Free App that Helps Protect Your Credit Cards
CardNav allows for real-time control over your debit and credit cards through your smartphone or tablet. CardNav adds another level of security to your cards by letting you decide how and when they can be used, and alerting you when certain types of transactions you specify take place.

You can even use CardNav to set personal spending limits that help you stay within your budget goals.

Personal Loans
Finances are personal. For your unique lending needs we offer personal loans up to $10,000. If you are making payments on multiple loans, you may benefit from consolidating them into a single loan which can lower your interest rate, improve your monthly cash flow and may reduce the overall interest you pay.

Benefits include:

  • No application fees
  • Flexibility to use your loan for any expense – from vacations, to education, to special purchases.
  • Simplify your life and budget by consolidating bills and having a single payment.
  • Quick loan decisions to help handle emergencies with ease.
  • Flexible terms available for up to 60 months.
  • Save money with a low fixed rate.
Applications are subject to credit approval.
APR =Annual Percentage Rate.

OAC = On Approved Credit. Your rate and credit limit will be determined by individual creditworthiness including income, debt ratio, employment and credit history. Must be 18 years of age to qualify. Verification of income may be required.