Banking is different at Directions

As a not-for-profit financial cooperative, Directions is different by design! Lower fees and better rates is just the beginning of a better way to bank.

Credit Card Rates

APR
VISA Rewards - as low as* 9.99%
VISA Cash Back - as low as* 11.99%
VISA Classic - as low as* 7.99%
Business Rewards VISA 9.99%
Disclosures (PDF)

How We Will Calculate Your Balance:

We use a method called “Average Daily Balance.” (Including New Purchases)

Credit disclosure is accurate as of 06/02/2025 and is subject to change. To find out what
may have changed, call us at 1-888-508-2228.