Credit Cards


Interstate Provides Enhanced Security Chip Cards
Interstate’s  MasterCard® offers convenience, buying power and affordability.
Report a Lost or Stolen Card | Activate a Card | Customer Service Call 1-855-574-1511 
MasterCard®  SecureCode™: Free added online authentication security service to guard you against unauthorized use of your MasterCard while shopping online at participating merchants.


If you have any questions or concerns please contact us at 912-427-3904 or via email at

Looking for a credit card that offers convenience and buying power as well as low cost? Look no further. Interstate Credit Union can help you establish a Platinum MasterCard account. Please click here to fill out the application and send it to us. It’s that simple!

It is very simple; you will need to login to Internet Banking, click on the “Bank It” tab, under the “Loan” section, and click on your credit card number.

MasterCard® SecureCode™  – is an online security service to guard you against unauthorized used of your MasterCard while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles…just added security. Once enrolled in this service, you’ll have added confidence knowing that MasterCard Secure Code performs an extra authentication step to protect your account from unauthorized users online. Click here to sign up today!

Call 1-855-574-1511 to contact MasterCard customer service.

To report a lost or stolen MasterCard call 1-855-574-1511.


Interstate’s  MasterCard®  Interest Rates, Fees, and Charges** 
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness.
9.9% – 17.9%
Minimum Interest Charge
Grace Period for Repayment of Balances for Purchases 25 Days
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at
Annual Fee
Transaction Fees NONE
Cash Advance Fee
Foreign Currency Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
Cross-Border Transaction Fee  Up to 1%
Late Payment Fee
Returned Payment Fee
Minimum Payment
3% or $20
Over the Credit Limit Fee
Pay By Phone Fee
Money Transfer Service Limits
$2,500 per day / 10,000 per month

Other Disclosures:

  • Card Replacement Fee : $5
  • Statement Copy Fee: $2
  • Rush Fee: $25.00
  • On Demand ACH Fee: $5
  • Card Recovery Fee $75

* Qualification is based on an assessment of creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
** Information correct as of  March 2, 2016. Current and complete Credit Card Agreement and disclosures can be obtained by calling 912-427-3904.

Collection Costs for Credit Unions Lending to Borrowers in Georgia. You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney’s fees not in excess of 15.00% of the unpaid debt and all court costs.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new transactions).”

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