GENIUS card

1% of all purchases support education in our community

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GENIUS Credit Card

We are proud to support education even more with the arrival of our GENIUS Card. We believe that everyone deserves a quality education and the GENIUS Card supports this mission. 1% of all purchases made with the GENIUS Card will support education in our community. Even better, we give you the power to choose what school district/private school you would like to support in the Greater Houston Area.

Support schools in your community with every swipe

1% of all purchases support education in our community.
Help support a school district/private school in your area today.
Join us to support education today for a better tomorrow.

Application and Solicitation Disclosure

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Card Styles

Application and Solicitation Disclosure

Click to view the Visa Application and Solicitation Disclosure.

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Ready to get Started

Make a difference today - Apply now and support education with every purchase

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Fraud Prevention Tools

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FCCU Card Manager

Fight fraud fast with our FCCU Card Manager app! The power is in your hands.

Norton LifeLOCK Coverage

Free Norton LifeLOCK Coverage! Support includes dark web monitoring, lost wallet assistance and a digital dashboard.

Mobile Wallets

Add your FCCU Visa Debit and Credit Cards to a Mobile Wallet for convenience and security.

When will the school district/private school receive the 1% donation?

Annually, in May, FCCU will calculate 1% of all purchases made between May 1st and April 30th to finalize the annual donation for each school district/private school based on member’s selections of the school district/private school they chose to support. After donations have been made, your 1% calculation will start over in May. For example, in 2022, 1% of purchases will begin accruing on May 1, 2022 and will be tracked through April 30, 2023. Donations will be made in May of 2023.

Are business members eligible to get a GENIUS Card?

No. Only consumer credit cards are eligible to have the GENIUS Card.

Am I able to have both a GENIUS Card and a Rewards Card?

Yes, as long as the member meets all credit criteria and illustrates the ability to repay both cards.

If I change to a GENIUS Card, will my card number be the same?

No, GENIUS Cards must be issued with a new card number.

If I convert from an FCCU Rewards Card to a GENIUS Card, what happens to my FCCU Rewards card?

Your FCCU Rewards Card number will be deactivated and if you have a remaining balance on your FCCU Rewards Card, the balance will remain until it is paid off. Monthly payments of $18 or 3%, whichever is greater, will continue to be required each billing cycle for the FCCU Rewards Card.

What if the school I would like to support is not currently an option?

We are happy to review a request to add a school district/private school to add to our list. A branch representative can assist in submitting the request form. Our team will review and respond within 7 business days with a decision on whether we are able to accommodate the school requested.

Certain credit criteria apply. Rates and terms subject to change without notice. GENIUS Card is open to all members, age 18+. Intro rate of 0% APR for first 12 months valid on purchases and balance transfers for new cardholders only. After intro rate expires, rate will be between 9.99% APR and 17.99% APR based on creditworthiness. ³1% of all purchases support education in our community. Funds will be awarded annually in May to local Education Foundations to support education. Primary cardholder may select the school district/private school that their 1% of purchases will support. All additional credit cards associated with the primary cardholder’s credit card will automatically support the selected school district/private school as well. Cardholders may change their school district/private school selection at any time. The school district/private school identified as of April 30th each year will receive 1% of the value of the cardholders purchases annually in May. If no school selection is made, 1% of purchases will support Spring Branch ISD. 1% value of purchases have no cash value and cannot be transferred to others. Minimum monthly payment of $18 or 3% of balance, whichever is greater, required each billing cycle. Refer to your tax advisor to determine eligibility for any tax deductions. To read full Terms and Conditions, click here.

Note: A fee of $5 or 3% of the amount of each balance transfer, whichever is greater, will be assessed for each balance transfer completed from a non-FCCU card to an FCCU Credit Card.