Classic Mastercard®

The card to carry and use.

With interest rates as low as 10.90% APR* and no annual fee, our Classic Mastercard is one of the most competitive in the nation. 

A fixed rate and full of benefits.

  • Fixed rates as low as 10.90% APR*
  • NO balance transfer fee
  • NO cash advance fee
  • NO annual fee
  • NO foreign transaction fee
  • Trip Cancellation
  • Travel Accident Insurance
  • Hotel/Motel Burglary Insurance
  • Worldwide acceptance

For a full list of benefits click here.

Classic Mastercard

APR* as low as


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Balance Transfers

Have an outstanding balance with another institution but looking for a better deal? Transfer that balance to Gain! You get all of the benefits you expect from the Gain line of Mastercard® products and more!

To initiate a Balance Transfer, visit or call, select the "Credit Card Balance Transfer" option in Online Banking, or find "Credit Card Balance Transfer" under the "Credit Score & More" option in Mobile Banking

To file a debit or credit card dispute:
Call (818) 846-1710, press "2" at the main menu and follow the prompts.


* APR = Annual Percentage Rate. Rates listed are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. Effective as of 07-22-2024. All loans subject to credit approval. Not all members may qualify. Offer may end at any time.

Program Informaiton
Mastercard Agreement
Classic Mastercard Benefits Program Disclosure
Gain Mastercard Application Disclosure and Solicitation Disclosure

The National Foundation for Credit Counseling (NFCC) provide free or low-cost individualized, confidential credit counseling in-person and by phone at (877)-316-6322.