Core Credit Card

Some good TLC for your credit score.

Core Card 101

Whether you need to establish or repair your credit, the Core Card is a straightforward option to get you and your finances where you want to go. We keep the rate low and, as a high-five for taking charge of your credit, we waive our annual fee. Our Core Card is a secured card, which means you’ll deposit the amount equal to the card limit at the time you open it. This is what makes this card so effective at cleaning up your credit — if you can’t pay your balance for whatever reason, your deposit covers for you. If you pay on-time monthly and never use your deposit, you’ll get all that money back, and enjoy credit that’s on its way to being strong enough to move onto an unsecured card.

Core Credit Card Benefits

Card Updater

Make your new credit or debit card your new payment source across all your favorite online retail sites, all at once. Our secure Card Updater tool makes the switch quick and painless, plus it’s free for all Fortera members, just because.

Protect your identity

Your identity is in good hands with Mastercard’s ID Protection Services. Thanks to the latest measures like automated monitoring and human threat intelligence, if something ever goes wrong, you’ll get immediate, actionable updates on your information security.

Enjoy global service 24/7

Mastercard Global Service™ provides worldwide, 24-hour help with Lost and Stolen Card Reporting, Emergency Card Replacement, and Emergency Cash Advances. If you need to make a purchase, Mastercard® will give you a cash advance and send you a temporary card within one day in the US, or two days anywhere else. Simply call 1.800.307.7309 to speak with a Mastercard® representative or visit their website to learn more.

Fly a little higher

Like a passport to the finer side of air travel, enjoy 15% savings on Airport Meet and Greet services thanks to Mastercard’s Airport Concierge services. Arrange for your very own Meet and Greet agent to escort you through the airport on departure, arrival, or any connecting flights at over 700 destinations worldwide.

Always in your pocket

On the couch or on the go, keep your money close with our Mobile App and Online Banking.

Where you go, we go

Credit Unions around the world work together to make sure our members can use branches and ATMs everywhere — surcharge-free. Nice, right? Download our CO-OP app and plot your next getaway.

Goal setting made simple

Our skilled experts are easy to reach and happy to help. For members and non-members alike, meetings and consultations are always free, so make the most of your money, on us.

Rest easy

With us, your money is always protected and insured by the National Credit Union Administration. You’re covered on all deposits up to $250,000, so save away.

Statements that save

....Trees, space, and worry. Always enjoy access to 18 months worth of e-statements. Keep more trees, toss your file cabinet, and know your info is always safe and sound.

Get by with a little help

Or even a lot. Either way, we’re here. Call, text, or chat with our experts anytime you need a friend who knows all things Fortera.

Card control in a click

Control your cards while you’re doing your online banking using our Card Manager Tool. Set travel notifications, review statements, turn cards on and off, opt-in to Overdraft Protection or Courtesy Pay, and plenty more — all in one place.

Get Started

Stack up a strong foundation for your credit. Apply for your Core Card today.

Next steps for new cardholders

This is the start of something good. How to set yourself up for card-carrying success:
  1. Go hands-free. Add your card to your digital wallet for secure, touchless transactions.

  2. Take control. Add your new card info to Online and Mobile banking, then use the Card Manager tool to set travel notifications, review statements, turn cards on and off, and more.

  3. Update once, shop everywhere. Our Card Updater tool is your online shopping secret weapon. Share your new card info with all your favorite online retailers — all at once. Just select accounts like Amazon, Netflix, Spotify, and Target (to name a few), type in your new card info once, and every account selected will get updated with your new card added as a payment source. Boom.

  4. Protect yourself. Set up your Mastercard ID Theft Dashboard so you can review your info security at a glance, anytime. Enroll now: https://mastercardus.idprotectiononline.com/

Need a hand?

That's what we are here for! Give us a call and let's chat face-to-face.

Who should use the Core Credit Card?
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We recommend the Core Credit Card to any of our members hoping to establish or rebuild good credit.

How does the Core Credit Card work?
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Our Core Card is a secured card, which means you’ll deposit the amount equal to the card limit at the time you open it. This is what makes this card so effective at cleaning up your credit — if you can’t pay your balance for whatever reason, your deposit covers for you. If you pay on-time monthly and never use your deposit, you’ll get all that money back, and enjoy credit that’s on its way to being strong enough to move onto an unsecured card.

Does the Core Credit Card have an annual fee?
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Nope. We waive the annual fee for this card.

What documents do I need to apply for the Core Credit Card?
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To verify your identity, we always ask that you come prepared with a government-issued ID. It is important that it is not expired. Examples of acceptable IDs include a State Driver's License or a U.S or Foreign Passport. If we have trouble validating your ID, we may ask for a secondary ID. If you have a question about whether or not an ID can be used, just text us at 931.431.6800.

Can I apply for the Core Credit Card online or do I need to apply for it at a branch location?
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You can apply for this card online or in-person. The choice is yours.

Is a deposit required upfront for the Core Credit Card?
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Yes, a deposit is required up front to receive the Core Credit Card. This card is designed to help members repair credit, meaning missed payments is a no-no. This is our way of giving our members a safety net while using their card.

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What's New

Nitty, gritty, and super important.

Fine print is your friend. When you have a minute, give these a good read:
Member Service Agreement
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Privacy Policy
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Mastercard® Guide to Benefits for Credit Cardholders
View PDF