Credit Cards

IMCU offers a variety of credit card options to suit all needs.

Looking for a low rate? We have that.

Looking for rewards? We have that too.

Find the option that suits you best below!

Credit Cards Offered

	world premier mastercard®	premier advantage mastercard®	premier rewards+ mastercard®
Annual Percentage Rate (APR)	Intro Rate: 1.9%¹\| 12 Months Prime+7.49% - Prime+9.49%	Intro Rate: 1.9%¹\| 12 Months Prime+4.49% - Prime+13.49%	Intro Rate: 1.9%¹\| 12 Months Prime+5.99% - Prime+14.99%
Rewards	Earn 1 1/2 points for every $1 spent and redeem for travel, merchandise, gift cards or cash back	N/A	Earn 1 point for every $1 spent and redeem for travel, merchandise, gift cards or cash back
Annual Membership Fee	No Fee	No Fee	No Fee
Paying Interest	25 days²	25 days²	25 days²
Late Payment Fee	$19.00	$19.00	$19.00
Foreign Transaction Fee	If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed.
	Apply Now	Apply Now	Apply Now

¹Annual Percentage Rate (APR) for Purchases 1.90% APR. Introductory APR for 12 months from account opening. After that, your APR will be at 9.49%-21.00% based on creditworthiness. This APR will vary with the market based on prime rate. APR for balance transfers- 1.90% introductory rate for a period of 12 billing cycles. After that, APR will be 9.49%-21.00% APR based on creditworthiness. This APR will vary with the market based on prime rate. APR for cash advances- 9.49%-21.00%, when you open your account based on creditworthiness. This APR will vary with the market based on prime rate.²A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases fro the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date of which the entire new Balance is paid in full or until the date of payment if more than 25 days from the closing date. How to Avoid Paying Interest on Purchases- Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle, any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

RESIDENTS OF ILLINOIS MAY CONTACT THE COMMISSIONER OF BANKS AND TRUST FOR COMPARATIVE INFORMATION ON INTEREST RATES, CHARGES, FEES, AND GRACE PERIODS. STATE OF ILLINOIS - CIP, P.O. BOX 10181, SPRINGFIELD, ILLINOIS 62791; 800.634.5452 /10

FAQs Regarding Credit Card Changes

APPLY FOR A NEW CREDIT CARD HERE!

Important Phone Numbers:

Member Service - 866.570.1991
Lost/Stolen - 800.449.7728 (If out of the country, call collect 727.299.2449)
Card Activation - 800.631.3197
PIN Now - 888.886.0083
Rewards - 800.637.7728

Payment Address:

P.O. Box 71050

Charlotte, NC 28272-1050

Enhanced Online Protection

IMCU’s MasterCard® credit cards offer enhanced online protection. MasterCard SecureCode® protects your existing credit card with a personal password, giving you reassurance that only you can use your card online. To activate this feature, have your card handy and visit the sites below.

Previous Credit Card Program Details

If you hold a credit card from the program offered prior to 9.23.2018, please refer to the terms and details in the chart below.

	legacy card (former Visa Platinum®)	legacy card (former Visa Classic®)	legacy card (former Visa Gold®)	legacy card (Former Mastercard®)
Annual Percentage Rate (APR)	4.9%³ 1st 6 months \| 9.9% Non-Variable	13.96% Non-Variable	10.80% Non-Variable	12.96% Non-Variable
Rewards	Earn 1 point for every $1 spent and redeem for travel or merchandise	N/A	Earn 1 point for every $1 spent and redeem for travel or merchandise	N/A
Annual Membership Fee	No Fee	No Fee	No Fee	$10.00
Paying Interest	25 days⁴	25 days⁴	25 days⁴	25 days⁴
Late Payment Fee	$18	$18	$18	$18
Foreign Transaction Fee	If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed.

Former Share Covered Mastercard®

Rate – 12.96% APR¹
$10 Annual Fee
Travel Accident & Credit Insurance

³Introductory 4.90% APR on transactions until the first day of the billing cycle that includes the six month anniversary date of the opening of your account. After that, balances convert to a low APR of 9.90%. After that date, all purchased, balance transfers, and cash advances will also be at 9.90% APR. As of 2/1/2010 the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to the Member Services Phone Center. MasterCard® may impose charges for transactions performed outside the United States. These will be itemized and identified separately on your periodic statement. MasterCard's currency conversion procedure includes use of either a government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to the cardholder's account. ⁴ A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle proceeding the date of which the entire New Balance is paid in full or until the date of payment if more than 25 days from the closing date. The Finance Charge for a billing cycle is computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. RESIDENTS OF ILLINOIS MAY CONTACT THE COMMISSIONER OF BANKS AND TRUST FOR COMPARATIVE INFORMATION ON INTEREST RATES, CHARGES, FEES AND GRACE PERIODS. STATE OF ILLINOIS - CIP, P.O. BOX 10181, SPRINGFIELD, ILLINOIS 62791; 800.634.5452. /10