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Application Downloads

Please CLICK HERE and read about the USA Patriot Act before applying.

New Account Application* (PDF)
Reconciliation Form* (PDF)

*To view these files, you must have the Adobe© Acrobat Reader©, which you may download here for free.

Credit Cards

Information Resources

*Annual Percentage Rate

Contact us directly for an application!

Program Benefits

  1. A Hometown Card With World Wide Acceptance.
  2. Great rates. This card program is among the best values in the industry.
  3. The ability to make your credit card payments locally at any of our four convenient offices.
  4. No telemarketing. We have always guarded your privacy and always will.
  5. Great hometown service. If you ever have a problem, just give us a call.

Our Platinum VISA Business Card

Program Feature VISA Business
APR 9.9%
Minimum Finance Charge $0.50
Annual Fee $0.00
Grace Period 25 Days on Purchases, None on Cash Advances
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Late Charge $19.00
Cash Advance Fee 2.5% with $3.00 Minimum & $10.00 Maximum

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Verified By Visa  

Your Visa card is now protected by Verified by Visa — it password protects your card for free. The next time you shop at participating online stores, enter the information requested to activate your card in order to complete the transaction. Your card will then have password protection whenever you shop online at participating stores.

Click here to enroll in Verified by Visa.  

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 9.9% APR* And No Annual Fee

If you are looking for a VISA Credit Card with great rates, no annual fee and convenient local service, look no further. Security First’s Platinum VISA card comes with a rate of 9.9% APR* and no annual fee. That’s right, 9.9% APR* and no annual fee.

With our business card we'll give your company an overall master limit. You decide which employees will have a card and how much their individual limites will be. And, you can change the individual limits as often as you need to. If an employee loses their card or no longer works for you, you can simply cancel that one card. Best yet - all of these changes can be made with a quick call to any one of our local offices.

Plus, with your Security First Plantinum VISA card, you’ll receive great hometown service. Your credit card application is processed right here at home, your credit limits are set right here by people you know and trust. And you can make your payments in any of Security First’s convenient local locations. If you lose your card or have disputed charge, no problem, stop in at a Security First Bank office and they will help you. You only have to be a customer of Security First Bank, with approved credit, and maintain a qualifying account.

Finally, a hometown card with a great rate, no annual fee, and worldwide acceptance. Stop at Security First Bank and talk to one of our personal bankers about your Security First Platinum VISA card today!

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Look To Your Local Bank For A Credit Card

You probably receive dozens of solicitations in the mail every month for credit cards. There are all kinds of cards. There are credit cards with nice pictures on them, ones that require full payment every month, and ones that lend you money at a low interest rate for a few months but switch to a higher rate after you've used the card for a while. There also are credit cards that reward you with airline frequent flyer miles or very small amounts of cash back at the end of the year.

Credit cards are a necessity in today's economy. You can't stay in a hotel or rent a car without a credit card. And try to buy something over the Internet without a credit card. It's nearly impossible. Plus credit cards offer a lot of convenience when traveling. No longer do travelers need travelers' checks, or excessive sums of cash.

With all the aggressive marketing by big, national credit card companies, however, some people get caught up in a dangerous trap. Because of the ease of obtaining and using credit cards, they buy frivolously. Cards get maxed-out and then even the minimum payment seems unmanageable. Things can really get bad for people who obtain new credit cards in order to pay off debt on old ones.

Many of the big credit card companies are to blame for encouraging people to get themselves into trouble. Many do a poor job of explaining exactly how their card works. Consider the example of a company that offers a credit card that charges a low introductory rate of interest, and then ups the rate after a few months. Often when a customer of this kind of card makes a payment, the money is first applied to the portion of debt subject to the lower rate of interest. This means the portion of debt subject to the higher rate of interest continues to pile up. Worse, if a payment is a day late, the rate can more than double.

It can be especially frustrating for a customer to get an answer from some of the big credit card companies. Calling the toll-free number generally results in reaching an automated system that doesn't always have the answers needed.

The best answer for most people is to obtain a credit card from a local bank – like Security First Bank. Why bother with the big, impersonal credit card companies, when Security First Bank offers a better product without any of the hassle? We won't mislead you about how interest is charged or applied to your account. If you have a question, you can always reach a live person when you call us. Better yet, you can actually come into the bank and talk to a personal banker. If you find yourself having debt problems, we can help you work through them. We won't try to sell you another product that only makes your situation worse.

Credit cards are a valuable tool in today's world. Match that up with your local community bank – Security First Bank - and you have a powerful combination working for you.

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