Lady using a credit or debit card on a laptop computer

Credit Cards

Shop around and you will see that a First Watch credit card is hard to beat!

Consider the Advantages:

  • Low interest rate
  • 25-day interest-free grace period
  • No annual fee
  • Additional cards at no extra cost
  • Worldwide acceptance at millions of merchant locations
  • Easy access at ATMs and financial institutions around the world that accept MasterCard Credit Cards
  • Pay by Phone (855) 341-4651

Fraud and Security Enhancements

The security of your account information is of utmost importance to First Watch Credit Union. As an added layer of protection, you will receive automatic security notifications for key activities, such as a password change, card activation and unauthorized computer access. The email notifications will help you better monitor your account activity and easily identify potential fraud.

Young couple moving into their new home


The perfect place to call home.

We've made it easy for you to get a loan by offering online loan application services for both consumer and real estate loans.