Find a card with features that matter to you. No matter which card you choose, you'll enjoy:

Accepted at millions of locations worldwide
EMV smart chip technology for added security
Mobile purchasing capability for added convenience
Zero fraud liability*
Cardmember service available 24/7

Related topics you may be interested in:
Make A Payment

If you have an existing credit card through Liberty Bay and you’d like to make a payment or manage your account follow the link below.

Credit Card Payoff Calculator

Are you looking to make a more informed decision by calculating how long it will take you to pay off your current credit cards?

Money Manager

Gain powerful insights on when, where, and how you spend. Our Money Manager tool allows you to view all your finances and gives you the tools to start simplifying your finances.

Personal Loan

Our quick, affordable personal loans could give you the cash you need when you need it, to use any way you wish, including debt consolidation.

Open up possibilities and unlock rewards with a Liberty Bay Credit Union membership.

FASTtrack Financial Education

Credit Cards

83% of adults in the US have at least one credit card. A credit card can be a great financial tool with many benefits, but its important that consumers also understand the consequences if they don’t use their cards responsibly.

Review this topic to learn more about:

  • How credit cards work
  • The benefits and risks of credit cards
  • How credit card use influences your credit score
credit cards

Credit Scores and Reports

Your credit score may seem like an ambiguous number, but it provides financial institutions and other companies with a snapshot of how “creditworthy” you are. Learn more about how credit scores may impact your financial life, and get more information on:

  • Checking and monitoring your credit
  • How to improve your credit score
  • Types of institutions and companies that may use your credit score
credit scores and reports

Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

1 Max Cash Preferred Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first $2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. Transactions qualify for 5% or 2% cash back based on how merchants classify the transaction. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a
deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within one to two billing cycles or as a Rewards Card ($25 minimum redemption). Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

2 If you’re approved for a new Max Cash Preferred Card, one-time $150 bonus will be awarded for redemption after eligible net purchases totaling $500 or more are made to your account within 90 days from account opening. Please allow 6-8 weeks after you have met the spend requirement for your bonus to be credited to your rewards balance.

3 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases.

4 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.

5 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances.

6 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A.