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Personal Banking \ Personal Loans

Preferred Points Credit Card

Smart Choice: For the consumer who wants a credit card for unexpected expenses or larger purchases and earn reward points. Both Mastercard® and Visa® available with approved credit.

Interest: Introductory rate of 2.9% APR for the first 6 months and then the rate adjusts to an ongoing annual percentage rate of New York Prime plus 11.90%.


No Annual Fee

25 day grace period on purchases.  No grace period for cash advances or cash equivalent transactions.

Earn one point for each dollar spent up to 10,000 per month.  Points can be redeemed for cash back, travel, merchandise, and retail gift cards.