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Charlie Credit Cards

No Balance Transfer Fee

Tired of high credit card rates and complicated fee structures, or just want to deal locally with your credit union? There is no better time to pay off your high interest credit card and start your new year with a Charlie Card from Ball State Federal Credit Union.

Now when you transfer your balance to a Charlie Card from your credit union you will get a limited time 6 month introductory rate of 5.90% APR. This promotional offer is available to new card holders who meet credit qualifications.  After the six month period your APR will revert to the current APR.

With 3 Platinum cards to choose from you’re sure to find one that will fit your needs.

Not sure what the right card is for you. Here’s a simple breakdown of the cards we offer.

Chart of Credit Card Rates

Either way, you are in charge…so we invite you to apply for one of our Platinum Visa Cards TODAY!

This new Visa Credit Card service is subject to credit qualification, and is accepted anywhere you see the Visa logo displayed in the United States, the United Kingdom, Australia, New Zealand, and any US Military Base world wide!

VISA Account Access

If you have one of our new Ball State FCU Platinum Visa Cards (the first four digits of your card number are 4145), simply click here to go to our new Online Credit Card Access System!


If you have our Platinum II CURewards program, log in here to take advantage of your points.

1 When you charge to your covered credit card the fare(s) for travel on a common carrier, you, your spouse, and dependent children under the age of 19 (25 years if a full-time student attending an accredited college or university) will be automatically covered for accident insurance covering accidental death and dismemberment. Coverage is also provided while traveling on a common carrier directly to or directly from an airport, train, or ship terminal on which the Cardholder was a fare-paying passenger.
2 Debt Protection is available for a nominal cost.
3 CURewards Terms & Conditions: Earn 1 point per dollar spent on purchases; returns will be deducted from the bonus point calculation. There is no limit to the amount of points you can earn. (Platinum II Rate Only)
4 24/7 On-line Card Member Service Assistance. (excluding Thanksgiving Day, Christmas Day, and New Year’s Day)

For California Borrowers, the Platinum Elite, Platinum I, Platinum II and Visa Classic are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.