GenFed credit cards give you reliable low rates and great local service.

All of our credit card options offer SecureCode for safer online shopping, travel and accident insurance, and zero fraud liability if your card is lost or stolen.

Transaction and account alerts are also available.  Plus add your GenFed Mastercard to your phone’s Mobile Wallet for ease in paying at the store or in apps.

You can even personalize your GenFed credit card with your favorite photo!

Download the “GenFed Cards” app from the App Store or Google Play.

Enjoy the purchasing power and worldwide acceptance with the friendly local service you always get from GenFed! We offer budgeting help, and you won’t be subjected to outside telemarketing.

  • 0% APR for the first 6 months on purchases
  • 2.99% APR for the first 6 months on balance transfers
  • 1% rebate for balance transfers (up to $50)
  • Competitive rates
  • No annual fees
  • 25 day grace period on purchases
  • Convenient online account access or make payments at your local branch
  • Protection for disputing a charge
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Earn rewards with every credit card purchase you make! This exclusive program from GenFed makes it easy to earn travel opportunities, premium merchandise, and more.

  • Competitive rates
  • 1 point for every $1 you charge
  • No limit to the number of points you can earn
  • Points are good for 5 years
  • Choose from hundreds of CURewards options when you redeem points

From top of the line electronics to jewelry, housewares, sporting gear and travel, we make having a credit card a more rewarding experience.

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Specifically for members between the ages of 18 and 21, GenFed’s Credit Builder MasterCard helps younger members establish good credit.

  • Competitive rates
  • Free credit counseling session with a GenFed loan officer
  • Convenient online access
  • 25 day grace period
  • Co-signer not required

There’s no minimum income requirement, you just have to work a minimum of 15 hours work per week.

Members age 18-21 also qualify for a special auto loan discount and Young Platinum status in GenFed’s Co-Op Advantage program.

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Is your credit less than perfect? We can help you rebuild it! A Clean Start MasterCard from GenFed offers easy approval for members with damaged credit and helps them improve their credit score.

  • $300 to $500 limit helps you keep spending in check
  • Competitive rates
  • Low $5 monthly fee
  • No share pledge required

After 2 years of on-time payments, you may be able to transfer to a lower rate, higher limit, no-fee GenFed MasterCard.

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Our Co-op Advantage program rewards you based on your total amount of deposit and loan balances with GenFed. Learn more.

See disclosures for more information.