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  • Three credit card options

    We offer several credit card options in order to support our members with their financial needs. Use your Focus MasterCard for everyday expenses, larger purchases, or annual expenses like trips and vacations. Our financial counselors can work through the benefits and terms of each card with you, and help you make a selection that best fits your lifestyle. Our MasterCard’s feature:

    • Low fixed rates
    • 25-day grace period on purchases
    • Online access to your credit card account
    • 24-hour fraud monitoring
    • Worldwide access
    • No transaction fees for purchases
    • No over-limit fees
    • No annual fees
    • No cash advance fees
    • No balance transfer fees

    For complete information, you may download our MasterCard Account Agreement.

    MasterCard Classic

    as low as:

    10.99% - 17.99% APR

    MasterCard Platinum

    as low as:

    8.99% - 15.99% APR

    MasterCard Secured

    as low as:

    13.99% APR

    Questions about your billing statement? Need to report a lost or stolen credit card? We’ve got you covered.


    Automated service is available 24/7.




    Credit card payments can be mailed to


    P.O. Box 672051
    Dallas, TX 75267-2021


    Get a credit card from Focus FCU

    Apply Now