2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@beth1st.org

Convenient Access:

Click here to do your Bethlehem 1st FCU banking on the Internet--including Bill Pay. (Requires registration before using first time.)

Install our 'Touch Banking' Mobile Banking App on your Apple or Android smart phone.

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to check on your Visa Card Rewards balance.

Click here to find ATMs that charge no fees to Bethlehem 1st FCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see Bethlehem 1st FCU 's Savings Accounts and Savings Rates. Click here to see Bethlehem 1st FCU 's Loans and Loan Rates.

Read more about Visa TravelMoney.

Find out how to join Bethlehem 1st FCU.

Office Hours:

Monday, Tuesday,
Wednesday, Friday:

9:00 a.m. - 5:00 p.m.
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the Beth 1st FCU Facebook page.
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Information on VISA Credit Cards
Your savings are federally insured  to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

Visa® Credit Card

A VISA® Credit Card from Bethlehem 1st FCU is your passport to the finer things in life. It's accepted around the corner or around the world at the finest shops, restaurants and hotels. You will find the familiar VISA® sign displayed almost everywhere you go. Bethlehem 1st FCU also offers a VISA® Preferred Card with a lower rate for members who qualify.

Visa® Credit Card Information:

Click a topic to read more:


How Do I Apply for a Bethlehem 1st FCU Visa Card?

Use our standard Online Loan Application

Online Features of Your Bethlehem 1st FCU VISA Card

  • Account Summary--Get a snapshot of your account balance, available credit, payment information, credit limit, and all recent transactions that have not yet been billed.
  • Full Statement--You can view 6-18 months of your credit card account history.
  • Bill Payment--Make credit card payments directly from your share draft (checking) or share (savings) account.
  • Transaction Tracking--View transaction information, assign expense categories and add memos, which can be searched at a later time.
  • Reports--Create customized reports.
  • Alerts--You can be notified automatically via e-mail when events occur.
  • Find Transactions--Search statement information for specific transactions.
  • Download--Download information to use with your own money management software (e.g. Quicken).
  • Customer Service--Answers to many of your VISA questions; Research and dispute transactions, if necessary.

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How to go online with your Bethlehem 1st FCU Visa Credit Card:

Using your Internet browser (Internet Explorer, Chrome, Firefox, etc.), go to eZCardInfo.com. If this is the first time you are using the new VISA site, click on the "Enroll for Online Services". You will be asked to choose a user name and password, and register your e-mail information.

Once logged in, in addition to gaining access to your VISA account information, you may opt to disable online access.

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Beware of 'teaser' rates

Some institutions offer what are often referred to as 'teaser' rates. They look inexpensive at first, but watch how high the interest rate goes after that introductory period is over. Like all of Bethlehem 1st FCU's offerings, our VISA card has maximum convenience with minimum 'gotcha'.

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Bethlehem 1st FCU VISA Preferred Card

In addition to the "standard" VISA Credit Card, Bethlehem 1st FCU now also offers a "preferred" VISA Credit Card. This new card provides a low rate of 9.90% APR to those who qualify. Qualifications are based on your FICO/Emperica credit score. Other restrictions may apply.

Members with existing Bethlehem 1st FCU VISA cards may request to convert their "Standard" card to a "Preferred" card. Such members should note:

  • Should a cardholder who has been converted from "standard" to "preferred" be late in their payment for two consecutive months, their card will automatically revert to a "standard" card and carry the higher interest rate.
  • Any purchases made prior to the conversion will continue to be charged at the "standard" rate. Only new purchase will receive the new "preferred" rate.

Stop by or call our office at 610-691-0041 for details.

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Automatic Payment Option

You may elect to have your monthly payment, full payment, or an assigned amount made by an automatic withdrawal from your Bethlehem 1st FCU Share or Share Draft Checking Account. Call member services at 610-691-0041 for information.

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What do I do if my card is lost or stolen?

You can report a lost or stolen card 24 hours a day, 7 days a week by telephone.

  • VISA Credit Card: 1-800-299-9842
  • VISA Debit Card: 1-800-472-3272

HINT: To protect yourself in the event of losing important cards you carry in your purse or wallet, it is a good idea to photocopy all of the cards (front and back). Store the photocopy in a safe place for reference in case any or those items are lost or stolen.

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How do I protect myself when buying online?

On-Line Merchants May Require You to Activate "Verified By Visa"

If you purchase goods on-line using your Bethlehem 1st FCU Visa Card, you may be required to enroll in the Verified by Visa program before you can complete your purchase. The enrollment process, which is done on a secure Visa site, verifies your identity based on information you have provided to the Credit Union. It then requires you to create a password. The password is stored securely on Visa's computer systems (not the merchants'). Each time you make a purchase at a participating merchant's website, you will be asked for the password. No charges can be made without the correct password.

Click here to learn more about (and sign up for) Verified By Visa. Bethlehem 1st FCU encourages you to sign up for Verified by Visa as soon as possible to help avoid on-line credit card fraud and to make your on-line purchasing experience easier.

Here is a diagram showing how Verified By Visa Works:

Diagram of How Verified By Visa Works

Click here to register or learn more about Verified By Visa.

Verified by Visa helps prevent unauthorized purchases before they even happen. Protect your existing Bethlehem 1st FCU Visa card by creating a personal password as unique as you are. Verified By Visa helps ensure that only you can use your Visa card to buy online at participating online stores. Register today! It takes just a few minutes to activate. Click here to register or for more information.

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Some Useful VISA Links

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Copyright © 1999-2017 Bethlehem 1st Federal Credit Union.
Last Updated: 4/20/2017 10:47:08 AM Eastern Time