Starter Credit Card

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New to Credit? This Card’s for You.

New to Credit? This Card’s for You.

Use promo code credit101 in your application.
Use promo code credit101 in your application.
Apply Now
CommunityAmerica Starter Credit Card

Start Building Your Credit and Earn up to $40

No Cosigner Required + No Annual Fee + No Deposit Needed

The Starter Credit Card features tools to help you learn about credit basics and the importance of paying bills on time. Plus, you can get rewarded along the way – up to $40 in cash back your first year1,2! Be sure to enter the promo code credit101 in your application.
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Earn Cash Back


Get Rewarded

Earn up to $30 when you pay your bill on time1.

Play to Win

Win $10 for playing the Credit 101 Trivia Game2.
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Cash Back

Your cash will be deposited directly into your account.

It's Easy to Apply Online

Simply click on the button below and select the “Platinum Low Rate” credit card. Be sure to enter the promo code “Credit101”.
Apply Now

Credit Building Tools

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Credit Tracking

Take advantage of free credit monitoring and reporting to stay on track.
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Set Limits

Use spending controls and set limits to help you stay on budget with CardValet®.
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Get Alerts

Receive text alerts including credit tips and helpful payment reminders.
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Make Payments Easily

It’s super quick, easy and seamless on our mobile app.
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We’ve Got a Student Checking Account, Too

Our free student checking account makes it easy to manage your money, thanks to tech-friendly features including our highly rated Mobile App, easy digital money transfers, mobile check deposit and the ability to set controls and alerts with just the tap of a finger.
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Profit Payout Share

Profit Payout*

Investing in YOU by sharing our profits.

As a not-for-profit credit union, we return our profit to those who bank with us in many ways – like better rates, lower fees, and our Profit Payout. See how much you may be able to earn through our long-standing annual give-back, where we’ve returned $93 million to members over the past 12 years.

Estimate Your Payout

Member Favorites

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Download Our Mobile App

The banking tools you need right in the palm of your hand.
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College Planning

We’ve got the resources and tools to help your family plan and prepare your student for college.
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