Credit Cards

Interstate’s Mastercard® offers convenience, buying power and affordability.

Click Here to APPLY for a Interstate’s Mastercard®

Report a Lost or Stolen Card | Activate a Card | Customer Service Call 1-855-574-1511 

It’s New!
Introducing Mastercard® SecureCode — a new online security service to guard you against unauthorized use of your Mastercard card 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® SecureCode performs an extra authentication step to protect your account from unauthorized users online. Click here: SecureCode

Mastercard® SecureCode™ is a free added online authentication security service to guard you against unauthorized use of your Mastercard while shopping online at participating merchants. All of our cards are embedded with an EMV computer chip which adds a safeguard against fraud.

Card holders can enjoy these great benefits:

  • No Annual Fee
  • No Transaction Fees on Purchases
  • Earn Rewards with uChoose Rewards
  • 24-hour lost/stolen card reporting

Interstate’s  Mastercard®
Interest Rates, Fees, and Charges effective September 28, 2018** 

Annual Percentage Rate (APR) for Purchases, Cash Advances & Transfers
9.90% – 17.90%
Paying Interest
Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date.
Minimum Payment
(Which ever is greater)
3% or $20
Minimum Interest Charge
Annual Fee
Transaction Fees
 (Percent of the Transaction Amount)
Cash Advance Fee
Balance Transfer
Foreign Currency Conversion
Cross-Border Transaction Fee 1%
Late Payment Fee
Returned Payment Fee
Over the Credit Limit Fee
Pay By Phone Fee 1-855-574-1511
Replacement Care

Other Disclosures:

* 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.
** Current and complete Credit Card Agreement and disclosures can be obtained by calling 912-427-3904.

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


You already appreciate the convenience of Interstate Credit Union debit and credit cards.

When you add any of these cards to Apple Pay, you can experience a whole new way to pay from your compatible Apple device, making your cards more convenient and versatile than ever.

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