Smart Start Rewards Visa® Credit Card features:

• 0% APR* on balance transfers made by March 31, 2025, for 12 months
• Rates as low as 13.24% APR*
• Earn one CURewards point for each dollar spent 
• Redeem points for cash, travel or retail gift cards, merchandise, and more 
• Automatic credit line increases
• On time payment awards¹
• One-time late payment forgiveness²
• Payments via Apple Pay®, Google Pay®, and Samsung Pay®
• Lock/unlock a lost or stolen card via TruMark Financial’s online banking/mobile app
• A low rate³
• 24/7 card support 
• 28-day grace period 
• Fraud protection via Zero Liability 
• ID Navigator Powered by NortonLifeLock to help prevent identity theft 
• Cell Phone Protection^† 
• Shipt discount: Same-day delivery of grocery and household essentials from a variety of stores you love 
• Sofar Sounds presale offers and potential free ticket offers 

Eligibility requirements for the Smart Start Rewards Visa® credit card: 

• Able to make payments on your own 
• Proof of income or qualified co-signer is required for those under 21 years of age

*Annual Percentage Rate (APR) is a variable rate and is accurate as of 1/2/25. Credit card approval depends on creditworthiness and other qualifications. 0% promotional APR on balance transfers for the first 12 months from date of first transfer for transfers under this offer that post to your credit card by March 31, 2025. Balance transfer fee of 3% applies to balances transferred during the promotional period. After the promotional period, standard rates and fees apply. After the promotional period, a variable APR of 13.24% – 18% based on your creditworthiness and other factors applies. Rates, terms, and conditions are subject to change without notice. All loans subject to approval. New credit card applications must be received between 1/2/2025 to 2/28/25. Balances must be transferred by 3/31/25. Balances can not be transferred from an existing TruMark Financial credit card. Federally insured by NCUA. Equal Opportunity Lender. Click here for full disclosures.
¹$10 will be deposited into the savings account for the first five consecutive on time payments. 7,700 CURewards points will be awarded for the sixth on time payment within 45 days. 
²Late payment forgiveness will be made one time only. 
³Rates and credit card approval depends on creditworthiness and other qualifications. Rates, terms, and conditions are subject to change without notice. 
^†Click here for Rewards benefits disclosure