Credit Cards

Visa and Visa Gold

We offer a regular Visa and Visa Gold card with very competitive rates and no annual fee. Cash advances are available to card holders up to their credit limit. Ask a customer service representative for an application.

Credit card for the purchase of goods or services, the following benefits are yours!

Travel Accident Insurance

You are automatically covered by accidental death and dismemberment protection when traveling by any common carrier worldwide.

Travel Reservations

Call toll-free, 24-hour reservations on hotel/motel reservations, rental car arrangements, airline, train or cruises.

Travel Discounts

You are guaranteed special savings on auto rental rates at Avis®, Hertz ® and National ®.

Travel Dividends

Dividends are yours whenever you use the Travel Reservation services.

Emergency Cash

You have emergency cash available, up to $500, if you are stranded without cash.

Cardholder Vantage Point

A quarterly newsletter will come to you with your card statement.

Eye Wear Discounts

This program entitles you to savings on most eye wear products.

Additional Visa ® Benefits

  • Letters CHECKS
  • Falcon Fraud Alert Packages
  • 90 Day Extended Warranty

Additional Visa® Gold Benefits

  • Scorecards ( A rewards program for all reasons) 

Branch Locations

Red Bay:

Community Spirit Bank
200 4th Avenue SW
Red Bay, AL 35 582
(256) 356-4445

ATM Location:

Inside McDonald's
606 4TH Avenue SE
Red Bay, AL 35 582


Redmont Branch
1107 Fourth ST NW
Red Bay, AL 35 582
(256) 356-8724


Community Spirit Bank
14009 HWY 43
Russellville, AL 35 653
(256) 332-5315


Community Spirit Bank
7141 Hwy. 19
Vina, AL 35 593
(256) 356-6947


Community Spirit Bank
342 Second Street
Belmont, MS 38 827
(662) 454-0001