Credit Cards


We make it easy to choose the credit card that is right for you - Low Rate or World Preferred Points Rewards. It's the only card you need for everything you need to do, and the benefits begin with the first swipe! Read below to find out more about our two credit card options.

Low Rate Card

Features

  • No annual fee.
  • Low introductory rate for the first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees


World Preferred Points Rewards Card

Features

  • Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • No annual fee.
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

  • Redeem your rewards points for cash-back rewards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards, and more.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees


To Apply Now

  • Download the PDF application
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and complete using either a blue or black ink pen. Paper applications are also available at our local branches.
  • You may fax your completed application to the Card Service Center at 877-809-9162, drop it off at one of our branches, or mail it in to the following address: 

Card Service Center

PO Box 569120

Dallas, TX 75356-9120


Credit Cards are subject to credit approval.

*Please see application for information about current APRs and fees.

**Concierge Services available with World Preferred Points Reward MasterCard only.


Credit Cards are provided through partnership with The Independent Bankers Bank. Stop by any branch to apply. 

Obtain a copy of your credit report at www.experian.com