Our personal credit cards provide purchasing power and shopping convenience around the world, and online, all with the security of knowing your personal information will be handled locally. Simply choose the card that works best for your lifestyle and needs.
- Boost your purchasing power
- Establish, build, or improve your credit
- Range of credit limit:
- Minimum $500
- Maximum $10,000
- Local service
- Worldwide acceptance
To report a lost or stolen card: 1.800.325.3678
To dispute charges on your card: 1.800.600.5249
Manage your card, pay your bill, check your statement:
FGB Credit Cards Are Contactless
Contactless payment works on everyday purchases. Just tap your card to pay and you're on your way! Speed, simplicity, and security is yours wherever the contactless symbol is displayed at checkout.
1. LOOK
Look for the contactless symbol when paying for items at checkout.
2. TOUCH
Touch your contactless card against the symbol until the light turns green.
3. CONFIRM
Once you hear a beep, your payment was successful!
Our convenient, flexible FGB Visa® Rewards Credit Card is accepted at thousands of locations worldwide for just about any type of purchase you can dream up. So, whatever your plans, choose the credit card that gives you all the value and buying power you need.
When you use the FGB Visa® Rewards Credit Card for purchases of goods or services, the following benefits are yours!
Travel Accident Insurance*
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance — every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at no extra cost.
ScoreCard Rewards
Earn points for every net retail purchase you make with our FGB Visa® Rewards Credit Card! You can redeem credit card points for brand name merchandise, exciting travel rewards as well as convert your reward points to cash. Visit www.scorecardrewards.com and browse the current reward selections. You’ll be amazed at what ScoreCard® has to offer! To find out how the plan works, ask one of our friendly representatives.
Summary of Terms
| Interest Rates and Interest Charges |
|
|---|---|
| Annual Percentage Rate (APR) for Purchases | FGB Visa® Rewards Credit Card 15.24%, 18.24% or 22.24% Based on your credit worthiness. This APR will vary with the market based on the Prime Rate. |
| APR for Balance Transfers |
0.00%
2.00% All accounts opened on or after January 1, 2024 will be charged a 2.00% balance transfer fee of the amount transferred on all balance transfers.
|
| APR for Cash Advances |
15.24%, 18.24% or 22.24% This APR will vary with the market based on the Prime Rate. |
| Penalty APR and When It Applies | None |
| Paying Interest | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
|
| Minimum Interest Charge | None |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees |
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|---|---|
| Annual Fee | None |
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Transaction Fees
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Penalty fees
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Other Fees
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How we will Calculate Your Balance: We use a method called “average daily balance” including new purchases. See your Credit Card Agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement. Information contained above is accurate as of 12/22/2025 and is subject to change thereafter. To obtain more recent information, please call us at 1 (888) 375-3093.
How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the U.S. Prime Rate published in The Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then we will use the immediately preceding edition. If the Prime Rate changes, your new rate will take effect on your next billing cycle. The APR may increase or decrease each month if the Prime Rate changes. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.
Prime Rate: Variable APRs are based on the 6.75% Prime Rate as of December 22, 2025.
Purchase APR: For Purchase transactions, based on creditworthiness, we add a Margin of 8.49% - 15.49% to the Prime Rate. The Purchase APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 24.00%.
Balance Transfer APR: For Balance Transfer transactions, based on creditworthiness, we add a Margin of 8.49%-15.49% to the Prime Rate. The Balance Transfer APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 24.00%.
Cash APR: For Cash transactions, based on creditworthiness, we add a Margin of 8.49%-15.49% to the Prime Rate. The Cash APR may increase or decrease each month if the Prime Rate changes but will not exceed the maximum rate of 24.00%.
Military Lending APR: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or account); and any participation fee charged (other than certain participation fees for a credit card account).
Secure your future with a FGB Visa® Secured Credit Card. This card looks and works like any other credit card; it may also help establish and strengthen your credit. You get to set your own credit limit (minimum of $500) with a refundable security deposit while all account activity is reported to the major credit bureaus on a monthly basis.
When you use the FGB Visa® Secured Credit Card for purchases of goods or services, the following benefits are yours!
Travel Accident Insurance*
You, your spouse and dependent children up to age 19 (age 25 if a full-time student at any institute of higher learning) are automatically covered with common carrier travel accident insurance — every time you travel by air, bus, train, ship, taxi, or any other common carrier anywhere in the world when you charge your entire fare to our card. This coverage is provided to you at no extra cost.
Summary of Terms
| Interest Rates and Interest Charges |
|
|---|---|
| Annual Percentage Rate (APR) for Purchases | FGB Visa® Secured Credit Card 21.99% Fixed. |
| APR for Balance Transfers |
Not available on FGB Visa® Secured Credit Card |
| APR for Cash Advances |
21.99% Fixed. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on purchases if you pay entire balance by the due date of each month. We will begin charging interest on cash advances on the posting date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore |
| Fees |
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|---|---|
| Annual Fee | $12 |
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Transaction Fees
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Penalty fees
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| Other Fees | |
| Card Replacement | $5 |
| Emergency Card (FedEx) | $25 |
How we will calculate your balance: We use a method called “average daily balance (including new purchases)’’. See your account agreement for further information regarding how we calculate your balance.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
To receive a First Guaranty Bank Secured Credit Card account, we will open a Collateral Account on your behalf which DOES NOT PAY INTEREST. You may not make electronic transfers to or from the Collateral Account. The Collateral Account is maintained by First Guaranty Bank. The owners of the Collateral Account are identical to the Cardholders on the Secured Credit Card account. Your Collateral Account will be opened when your security deposit is received. You agree to be bound by the terms and conditions of the security agreement.
You will receive a credit card agreement with your card(s). The credit card agreement becomes effective, and you agree to its terms by either using your Secured Card account or by not closing your secured card account.
Purchase APR: Your purchase rate is 21.99%. The daily periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.8325%.
Cash APR: Your Cash rate is 21.99%. The daily periodic rate of FINANCE CHARGES is 1/12th of the APR or 1.8325%.
Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or account); and any participation fee charged (other than certain participation fees for a credit card account).
Information contained in this First Guaranty Bank Disclosure is accurate as of 12/22/2025 and is subject to change thereafter. To obtain more recent information, please call us at 1 (888) 375-3093.
*Insurance Products are not insured by the FDIC or any Federal Government Agency; Not a deposit of or guaranteed by the bank or any bank Affiliate.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
FGB Interest Checking Account
| FGB Interest Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $5,000.00 | |||
| Balances less than $5,000.00 | 0.00% | 0.00% | |
| Balances $5,000.00 or more | 0.45% | 0.45% |
Fixed Rate CDs
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 30 Day | 2.70% | 2.70% | $500.00 |
| 90 Day | 2.70% | 2.70% | $500.00 |
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% | 2.60% | $500.00 |
| 2 Year | 2.75% |
2.75% |
$500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
Health Savings Account
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Health Savings Account1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |
Hero Checking Account
| Hero Checking Account1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $25.00 | |||
| Balances less than $5,000.00 | 2.25% | 2.27% | |
| Balances $5,000.00 or more | 0.05% | Range from 2.27% to 0.05% |
Individual Retirement Accounts (IRAs)
| Term | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| 6 Month | 2.70% | 2.70% | $500.00 |
| 1 Year | 2.55% | 2.55% | $500.00 |
| 18 Month | 2.60% |
2.60% |
$500.00 |
| 2 Year | 2.75% | 2.75% | $500.00 |
| 3 Year | 2.75% | 2.75% | $500.00 |
| 4 Year | 2.85% | 2.85% | $500.00 |
| 5 Year | 2.95% | 2.95% | $500.00 |
| 6 Year | 2.95% | 2.95% | $500.00 |
| 7 Year | 2.95% | 2.95% | $500.00 |
| 8 Year | 2.95% | 2.95% | $500.00 |
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Money Market Accounts
| Guaranty Money Market1 | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| (Personal or Business) | $1,500.00 | ||
| Balances less than $1,500 | 0.00% | 0.00% | |
| Balances $1,500 – $99,999 | 0.05% | 0.05% | |
| Balances $100,000 – $999,999 | 0.15% | 0.15% | |
| Balances greater than $1,000,000 | 0.35% | 0.35% |
Savings Accounts
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| Regular Savings1 | 0.05% | 0.05% | $100.00 |
| Christmas Club Savings1 | 0.05% | 0.05% | $5.00 |
| Business Savings1 | 0.05% | 0.05% | $100.00 |
Savings Elite
| Account Type | Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
|
|
$25,000.00 | ||
| Balances less than $25,000.00 | 0.05% | 0.05% | |
| Balances $25,000.00 or more | 2.50% | 2.53% |
Sole Prop./Non-Profit Now
| Business Accounts Sole Prop./Non-Profit Now1 |
Interest Rate | APY2 | Minimum Opening Deposit |
|---|---|---|---|
| $100.00 | |||
| Balances less than $1,500 | 0.05% | 0.05% | |
| Balances $1,500 – $99,999 | 0.07% | 0.07% | |
| Balances $100,000 – $999,999 | 0.12% | 0.12% | |
| Balances greater than $1,000,000 | 0.30% | 0.30% |