Credit Cards

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!

With ScoreCard Rewards each purchase you make with your Platinum MasterCard earns you valuable bonus points you can redeem for brand name merchandise and exciting travel rewards. You can use your ScoreCard for everyday life. To purchase groceries. To pay for an oil change. Even to buy that last minute gift for a friend. So, while you’re busy taking care of your life, who’s taking care of you? Your ScoreCard.  To browse the ScoreCard catalog or redeem your bonus points go to www.scorecardrewards.com.

Call 1-800-299-9842 to contact MasterCard customer service.

To report a lost or stolen MasterCard call 1-866-604-0381.

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% – 13.9%
APR for Cash Advances
9.9% – 13.9%
APR for Balance Transfers
9.9% – 13.9%
Minimum Interest Charge
NONE
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each biling 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 athttp://www.federalreserve.gov/creditcard.
Fees
Annual Fee
NONE
Transaction Fees
Balance Transfer Fee
2%
Cash Advance Fee
2%
Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
Penalty Fees
Late Payment Fee
$30
Returned Payment Fee
$25

Other Disclosures:
Card Replacement Fee : NONE 
Statement Copy Fee: NONE
Rush Fee: $15.00

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 December 31, 2013. 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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