Credit Cards

We invite you to apply for one of the most competitive credit cards on the market today. We are offering two new credit cards designed with NO ANNUAL FEE and benefits to meet your needs.

Both cards offer 25-day interest free grace periods on all purchases (except cash advances) along with 24/7 customer assistance and online account information. Your card will be accepted worldwide at businesses, financial institutions and ATMs.

Why pay 18%, 22% or even more on credit card purchases? It just makes good financial sense to pay the lowest rate possible on credit card balances – not just an introductory rate, but for as long as you have your card. The savings are significant, and you sacrifice none of the benefits. You can even transfer your other high cost credit card balances to the First Bank card to start saving immediately.

Click the link below to fill out an application. Then send it back to us via mail, or you can drop it off at any of our bank locations. We’re pleased to make these new credit card products available to our customers and welcome your application. Should you have questions, please contact us at 580-336-5562.

Consumer Credit Card Application

Business Credit Card Application

Preferred Points Brochure

The APR will vary based on changes in the Index, the Price Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. As of September 25, 2014, the Index was 3.25%. The Account will never have an APR over 21%.

Fees for All Card Products

Late Fee: $25
NSF Fee: $25
Agent Assisted Pay-by-Phone: $10
Cash Advance Fee: 3% of the Cash Advance Amount, subject to a minimum fee of $10.
International Transaction Fee: 2% of the U.S. dollar amount of the transaction converted from the foreign currency.

Card Program Contact Information

Cardholder Customer Service 800-367-7576
Application Processing Fax 972-650-7054

*See application for all information on rates and terms. The information may change. All cards are subject to credit approval.