We make it easy to choose the credit card that's right for you - Low Rate or Preferred Points Rewards. It's the only card you need for everything you need to do.

Low Rate Card

Features

• No annual fee.
• Low introductory rate for the first six months.*
• Competitive ongoing APR.*
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, these fees are listed on the downloadable application.

World Preferred Points Rewards Card

Features

• Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Low introductory rate for first six months.*
• Competitive ongoing APR.*
• No annual fee.
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• Redeem your rewards points for cash-back rewards, retail gift cards, travel, and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards, and more.
• To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
• Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged; these fees are listed on the downloadable application.

To Apply Now

• Online Application
• If you prefer to apply with paper, contact us at (865) 977-5900 or use the downloadable application. 
• Type your information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it by using a blue or black pen. Paper applications are also available at our local branch offices. 
• Fax your completed application to the Card Service Center at (877) 809-9162

Credit Cards are subject to credit approval.

*Please see application for information about current APRs and fees.

**Concierge Services available with World Preferred Points Reward MasterCard only.

Credit Cards are provided through partnership with The Independent Bankers Bank. Stop by any branch to apply. 

Obtain a copy of your credit report at www.experian.com.