R1 Platinum Credit Card

The R1 Platinum Credit Card provides you with the convenience of a credit card with the security of a great rate.

Enjoy the Power of Platinum

We have added new benefits to our Platinum cards. We think our members deserve something they can count on, and the combination of better security and even more benefits makes our cards a cut above the rest.

No Annual Fee

Simple and hassle-free to help you keep more of your own money.

No Balance Transfer Fee

Transfer your other card balances to this one and keep everything in one place.

Competitive Everyday Rate

We offer competitive rates, so you are always saving.

No Cash Advance Fee

Access your credit card balance by requesting a cash advance.

Secure Credit Card

Our Platinum Credit Card is also available as a secured card. This is a great way to establish a loan history and build credit without worrying about a negative loan.

Meet a Specialist by Video Chat, calling 800-375-3674, or visiting a branch.

Secure Credit Card

Our Secure Credit Card is a credit-building tool with a backup. Many times the start of bad credit begins with a credit card. Take the liability out of this equation by starting with a secured loan.

How It Works

Typical credit cards allow borrowers to use unsecured credit provided by their financial institution as a payment method for purchases. The secured card requires a cash deposit as collateral on a Secured Credit Card.

For example, when the account is backed with $500 as secured collateral, it is frozen in the account. In turn, the member can use a maximum of $500 on their card.


Establish a loan history and build credit without worrying about a negative loan.

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Low, competitive fixed rate


The primary function of a Secured Credit Card is to be used as a training tool until the member is ready for an unsecured card. It is also great for building positive credit and payment history.

This card can be used like any regular credit card and accepted at any retailer that takes Mastercard®.

You May Also Be Interested In

Ready to Get Started?


Fee TypeFee
Annual FeeNone
Replacement Card$5.00
Minimum Payment Due2.5% of balance or $50.00 minimum
Transaction Fees
Balance TransferNone
Cash AdvanceNone
Foreign Transaction1.00% of each transaction in U.S. dollars
Penalty Fees
Late PaymentIf we do not receive the required minimum payment within 10 days of the payment due date, you will be charged a late payment fee of $25.00
Over-the-Credit LimitNone
 Returned PaymentUp to $25.00

For additional context and information please see text descriptions found here

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans are subject to approval. Restrictions may apply; see credit union for details.