Credit Card Rates. APR=Annual Percentage Rate. Offers subject to credit approval; terms may vary. Intro rate not available to current card holders. Click here for rate and fee information, and here for our Credit Card Agreement.

Profit Payout. Dividend is discretionary and approved annually by CommunityAmerica’s Board of Directors. Amounts advertised are representative of actual dividends paid in 2022. Dividend is not guaranteed and may vary based on criteria established by CommunityAmerica Credit Union and the total amount allocated by the Board of Directors each year. Not everyone receives a dividend and member must be in good standing and meet other criteria on processing date to qualify. Dividends are reported to IRS and a 1099 form will be issued at year-end. Any applicable taxes are the responsibility of recipient.

Pay Your Bill Cash Back. Offer valid for members or applicants that qualify for membership and open a new Visa® Low Rate card account (subject to credit approval) using promo code Credit101. Upon opening the Visa® Low Rate card account with promo code Credit101, you can earn $5 a month and up to $30 max, for on-time monthly payments made in your first 6 billing cycles. To qualify for the $5 credit, the payment must be made by the payment due date shown on your billing statement and must be greater than $0 and greater than or equal to the minimum payment due on your account. Each $5 credit, up to $30 max, will be deposited into your membership Savings account within 60 days of the on-time payment. You must be in good standing with the Credit Union at the time of the $5 deposit. Offer ends 12/31/2022 and is subject to change without notice. Limit six $5 deposits (max $30) per member and per qualifying Visa® Low Rate card account. The $5 credits may be subject to IRS tax reporting.

Credit 101 Trivia Game Cash Back. Offer valid for members or applicants that qualify for membership and open a new Visa® Low Rate card account (subject to credit approval) using promo code Credit101. Upon opening the Visa® Low Rate card with promo code Credit101, you will receive instruction for completing CommunityAmerica’s Credit 101 trivia game via your mobile phone. Standard text messaging rates and data charges may apply. To qualify for the $10 credit, you must complete the Credit 101 trivia game and be in good standing with the Credit Union at the time of the $10 deposit. The $10 credit will be deposited into your membership Savings account within 60 days of account opening if qualifications are met. Offer ends 12/31/2022 and is subject to change without notice. Limit one $10 deposit per member. $10 credit may be subject to IRS tax reporting.