Credit Cards

Interstate Credit Union is excited to announce improvements to our MasterCard credit card program, including enhanced security with the new EMV chip, online access to view your account, a new credit card design and electronic statement availability.

If you have a MasterCard with Interstate Credit Union, this will mean a few changes to your account, and we want to make sure you know exactly what’s happening; therefore, we’ve recently mailed letters to Interstate Credit Union MasterCard cardholders detailing the changes.

In the meantime, watch the video below about the EMV chip cards.


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 Unlimited Federal Credit Union’s MasterCard Credit Card Disclosure
Interest Rates and Interest Charges 
MasterCard® Platinum
Annual Percentage Rate (APR) for Purchases when you open your account based on your creditworthiness.
9.9% – 17.9%
APR for Cash Advances
9.9% – 17.9%
APR for Balance Transfers
9.9% – 17.9%
Minimum Interest Charge
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
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
Transaction Fee for Purchases NONE
Cash Advance Fee
$5 or 2% (maximum of $200)
Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee
Returned Payment Fee
Minimum Payment Fee
3% or $20
Over the Credit Limit Fee
Pay By Phone Fee

Other Disclosures:

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

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).”

The information about the cost of the card described above is accurate as of October 31,2015. This information may have changed after that date. To find out what may have changed since then or to obtain a copy of the Agreement call 912-427-3904.

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