VISA Credit Cards

Who Knew Plastic Was So Powerful?

Everywhere you look there’s a credit card offer. So how do you know which one is the right one for you? And how do you find the perks that best meet YOUR needs. FFCCU offers several great card options, and we’ve made it easy to compare so you can pick what works best for you.

Compare Credit Card Options

As of July 11, 2025

	Great Rate Visa Credit Card	Most Rewards Visa Credit Card	Shared Secured Visa Credit Card
This is the card for you if:	You need to transfer a balance or are looking for a better rate.	You want to earn rewards when you make purchases	You need to build or re-establish your credit.
What it offers:	1.99% introductory APR* on balance transfers made within 60 days of card activation $0 balance transfer fee!	Rewards points on everything you buy! Redeem your points for travel, merchandise or cash.	A great way to begin building or re-establish your credit. Use your card anywhere VISA is accepted.
Annual Fee:	$0	$0	$0
Annual Percentage Rate (APR)*	Starts at 1.99%*	Starts at 14.00%	Starts at 13.00%
	APPLY NOW	APPLY NOW	APPLY NOW

KUDOS!

Beth was great to work with! Super responsive. The entire process was so smooth and easy!

-Brooke G.

Tiffany Zifcak worked with me on my recent home equity loan and did an amazing job. She made the process quick and easy for me. Will be using FFCCU for more of my financial needs in the future.

-Mike K.

Anytime I have to call, I always end up speaking with the most friendly folks. They always help me and I feel like I’m truly being taken care of.

-Alexandra

I work with banks and credit unions on a daily basis, and FFCCU goes above and beyond to help its members. Thank you all for making the process easy to understand and treating me like a person.

-Jennifer

I had the pleasure of working with Tiffany Zifcak as I was selling one of my cars being financed by FFCCU. She stayed on top of all the details and parties involved. Tiffany is terrific: likable, trus...

-John G.

Clicked the “Live Chat” button, asked my question, got my answer literally within a minute. THIS is what support from a banking institution should be like. Thanks so much for your help!

-Ryan M.

Erica Irons went above and beyond for our home loan! In spite of storm damage causing our branch to close, she made our transaction smooth. I love FFCCU in Willoughby ❤️

-Mary Kay & Joe

I needed a new vehicle loan, and FFCCU beat other interest rates so dramatically it was a no “brainer.” I was so happy with the service I am switching all of my checking and savings over. Kudos...

-Amy B.

We want to give a shout out to Margaret from the Emerald Branch, she was excellent in helping us with our accounts. She made it easy to understand and to do. She even came in on her day off to help us...

-John D.

My experience with FFCCU’s Parma branch has been nothing but positive. Obtaining an auto loan was really easy, even though I came to the establishment as a nonmember.

-Star B.

Fortunately, we found out about the mortgage program at FFCCU. We had originally applied for a loan through a bank, but they were not interested in helping us. FFCCU put through our loan in a timely m...

-John B.

Berto was awesome. I joined up today as a brand new member, and he helped in every possible way to make the process smooth and complete. Thanks, Berto!

-Karen

More Kudos!

What is a Share Secured Credit Card?

A share secured credit card is a great way to build credit if you are just starting out or to reestablish your credit if you’ve had problems in the past. The card is backed by your share (savings) account, and your credit limit is the set amount, on deposit in your account. You can then use the card to make purchases anywhere Visa is accepted, and pay the balance each month. Secured credit cards also report information to the major credit bureaus monthly, which allows you to build a payment history.

Apply Now!

Need to Transfer a Balance? See How Much You Could Save.

Our Great Rate VISA^® Credit Card lets you transfer balances from other high-interest cards, consolidating your credit card debt and saving you money on interest charges in the long run. Check out our calculator to see how much you could save.

VISA® Credit Card e-Alerts

Great Rate and Most Rewards cardholders can now register their mobile device and email to receive Visa Purchase Alerts. Cardholders are able to choose the notification triggers that match your needs, such as transaction exceeding a set amount.

Enroll Now

Get Help With Your VISA

Access FFCCU Online Banking and register your card.
General Card Services call 866.820.6072
Report a lost or stolen credit card: 866.820.6072
If a card is later found, please cut it in half and mail to PO Box 31281, Tampa, FL 33631-3281.
Obtain a new or current PIN: 888.886.0083
Traveling and experiencing an issue? Get 24-hour access:
Inside the USA: 1.800.VISA.-911 | Outside the USA: 1-410.581.9994

To view your Visa® account online, you’ll need to register your card through our Online Banking. Once registered, you will be able to see all the activity on your card, check your balance, make payments, and sign up for e-Statements.

Our Rates

As of July 11, 2025

Visa Credit Card	Annual Percentage Rate
Great Rate Card	12.00%-22.00% APR Variable
Most Rewards	13.50%-23.50% APR Variable
*Rate is good for 12 months after first balance transfer occurs. Only balance transfers on Great Rate VISA credit card from within 60 days of card activation are eligible for 1.99% APR with $0 transfer fee. Offer applies to balances transferred from non-FFCCU cards only. After the introductory period ends, the Variable APR applies. The 1.99% APR applies to balance transfers only, not new purchases. Visa Card Terms and Conditions.

Bill Deighton

Bill has over 40 years of experience in credit unions and previously served as Chair of the Board of Directors for 30 years. Bill is a retired Captain of the Cleveland Fire Department. Along with his credit union experience, he has served for 16 years on the Ohio Police and Fire Pension Fund Board. He believes that credit unions are powered by providing the best customer service to members. Bill volunteers at St. Ambrose Parish and the Fire Museum renovation. Bill and his wife live in Brunswick and have two grown children.

Anthony Missig

Tony is honored to have been the current Board Director since 1999. He has been a credit union member of Cleveland Fire Fighter since 1988. Tony graduated with a BA degree in Business from Hiram College and an MBA from Baldwin Wallace College. He is currently an Assistant Chief with the Cleveland Fire Department.

Ben Laurendeau

Ben Laurendeau has been employed in the credit union industry since 1987 in a variety of positions. Ben has held the position of President/CEO with Firefighters Community Credit Union since January of 2005. Ben holds an Associate Degree in Accounting from Terra Community College, A Bachelor Degree in Accounting from Tiffin University and a Master of Business Administration Degree from Baldwin Wallace University. Ben serves as a Director on the Ohio Credit Union League Services Corporation Board and serves on the Ohio Credit Union League Audit Committee.

Gary D. Arbeznik

Gary is a lifelong resident of Greater Cleveland and has been a member of the Board of Directors since 2018. Many of his family members have served in the Cleveland Fire department and are long-time members of FFCCU. Gary holds a BA from Columbia College and a JD g from Cleveland State University. He has worked for both Cuyahoga County and the US Attorney’s office in Cleveland during his legal career. Now retired, Gary and his wife live in Lakewood.

Barbara McCullough

Barb is a current Board Director of FFCCU and a fully vested member. She has an MBA in Finance and has spent 25 years teaching to all walks of life. Barb is a volunteer with the Foundation for Geauga Parks, Ohio Department of Natural Resources, Lorain County Spirit of America, and Girl Scouts of Northeast Ohio. Barb is a lifelong resident of the Cleveland area. She and her husband have one daughter.

Alyssa Garcia Evanoff

Alyssa Garcia Evanoff joined Firefighters Community Credit Union as the Chief Marketing Officer in February 2019. Alyssa has nearly two decades of experience in brand management and strategic marketing with a variety of organizations across the Greater Cleveland area. During her career, she has developed successful marketing and creative campaigns that have repositioned brand image and increased brand loyalty through emerging digital trends, content marketing and user experience strategy. Alyssa is a graduate of Miami University and sits on the board of the Cleveland chapter of the American Advertising Federation.

Jessica Bittner

Jessica Bittner joined FFCCU as a teller in 2009. In 2012 she was promoted to branch manager, and has managed multiple branches throughout the credit union. Jessica holds a Bachelors in Human Resource Management & Business Management, with a minor in accounting from Baldwin Wallace University. She was promoted to COO in 2021.

Kathleen Riggs

Kathleen Riggs joined FFCCU as Chief Retail Officer in 2013. Kathy has been in the financial services industry for over 25 years, holding a variety of positions. Kathleen received her bachelors degree in psychology from Kent State University and is a certified trainer of CUNA’s Creating Member Loyalty program.

Paul Humphrey

Paul Humphrey was born and raised in Northeast Ohio. He joined FFCCU in 2017 as the Chief Lending Officer. Paul is a graduate of Kent State University. He holds the designation of Certified Credit Union Financial Counselor (CCUFC) from CUNA. Paul has managed lending programs in both small and large credit unions and brings that unique perspective to serve the members of FFCCU.

John Carrick

John Carrick is the Chief Financial Officer of Firefighters Community Credit Union in Cleveland, Ohio. John was hired by Greater Cleveland Firefighters Credit Union (former name of Firefighters Community Credit Union) as an Accounting Assistant in February 1993, was promoted to acting CFO in 1995, and was awarded the position of CFO in 1996. John has assisted in the acquisition of multiple mergers for Firefighters Community Credit Union and has managed two different Merging Credit Unions during the merger process. John is a former member of the Audit Committee of the Cleveland Chapter of the Ohio Credit Union League. John holds a Bachelor of Business Administration degree from Cleveland State University.

Dennis Corrigan

Dennis has been a member of the Board of Directors since 2017. He is invested in forming bonds between the Credit Union and the community and helping members improve their economic situations. He has a strong desire to have a voice in the decision-making process of an institution that he was raised with and believes in. Dennis has been a part of the Cleveland Fire Department for 25 years and is currently a Captain. Dennis and his wife live in the Cleveland area with their three children.

Damian Borkowski

Damian has served on the Board of Directors for over 10 years. He has been the Citywide Service Manager for the City of Cleveland since 1983 and manages the demolition of houses and buildings. He holds degrees in Law and Engineering and is a member of the Ohio Bar. Damian lives with his wife in the Cleveland area. He has been a credit union member for 30 years.

Rich Bowman

Rich serves as the Chair of the Board of Directors and has been a board member since 2009. He has been a Cleveland Firefighter since 1989 and is presently a Battalion Chief serving the city’s lower west side. Rich is a founding member and Treasurer of the Firefighters Memorial Ride. Since their inception in 2004, they have donated over $250,000 to the families of fallen Fire, Police, and EMS workers. He has a bachelor’s degree in Business Administration with a minor in Finance from Cleveland State University.

James E. Polk

James is the Vice-Chair of the Board of Directors and has served on the Board since 1982. He has also held the position of Secretary. Jim is a retired Cleveland Firefighter after 30 years of service. He is the past treasurer of Fire Fighters Local 93 and served on the Union Executive Board for 18 years. Jim is also a former Worker’s Compensation Representative for Local 93 and the NOFF.

Bryan Gallagher

Bryan has served on the FFCCU Board of Directors since 2006 and looks forward to continuing to help the credit union move forward and provide quality services to members. Born and raised in Cleveland, Bryan and his wife live in Lakewood and have three grown children. He holds a degree in Communications from Cleveland State University and spent 40-years as a cameraman for the MLB and NBA. After 33 years, he retired as a Captain from the Cleveland Fire Department. He is a former Sergeant at Arms for Local 93 IAFF and was Secretary for the Firefighters Memorial.

Robert Schwind

Bob is a lifelong Cleveland resident and has been a member of FFCCU since 1993. He has served on the FFCCU board since 2019. Bob is a graduate of Cleveland State University and has served as a Cleveland firefighter for the past 28 years, becoming a lieutenant in 2002. He and his wife live in Cleveland and have two grown daughters.

James Andrews, Jr.

Jim has been a credit union member for over 40 years and has served on the Board of Directors since 2012. He has been a Cleveland Firefighter for 29 years, currently stationed at Engine Company 13. James has served on the Cleveland Firefighters Relief Fund board and was a former Union Steward and Committee Member for Firefighters Local 93. He and his wife have three children.