Credit Cards

Consider an IMCU Credit Card that Offers Flexibility

Low Intro & Balance Transfer Rate

Jumpstart Credit Card Ad


IMCU offers a variety of credit card options.

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:

1Annual Percentage Rate (APR) for Purchases 3.90% APR. Introductory APR for 12 months from account opening. After that, your APR will be at 7.74%-25.00% based on creditworthiness. This APR will vary with the market based on prime rate. APR for balance transfers- 3.90%introductory rate for a period of 12 billing cycles. After that, APR will be 7.74%-25.00% APR based on creditworthiness. This APR will vary with the market based on prime rate. Balance transfer fee of 3% with $5 minimum will apply.  No maximum fee for balance transfers. APR for cash advances- 7.74%-25.00%, when you open your account based on creditworthiness. Cash advance fee of 4% with a $5 minimum will apply. No maximum fee for cash advances and the cash advance APR may differ from the purchase APR. 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 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.  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
Credit Card  Comparison Chart
WORLD PREMIER
MASTERCARD® 
 
PREMIER ADVANTAGE
MASTERCARD®
 
PREMIER REWARDS+
MASTERCARD®
 
PREMIER ADVANTAGE JUMPSTART
MASTERCARD®
 
PREMIER REWARDS+
JUMPSTART MASTERCARD®
 
Annual Percentage Rate (APR) 
Intro Rate: 3.9% APR¹
12 Months
Prime+7.49% - Prime+9.49% APR
Intro Rate: 3.9% APR¹
12 Months
Prime+4.49% - Prime+13.49% APR
Intro Rate: 3.9% APR¹
12 Months
Prime+5.99% - Prime+14.99% APR
Intro Rate: 3.9% APR¹
12 Months
Prime+4.49% - Prime+13.49% APR
Intro Rate: 3.9% APR¹
12 Months
Prime+5.99% - Prime+14.99% APR
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
 
 
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 No Fee No Fee
Paying Interest 25 days2 25 days2 25 days2 25 days2 25 days2
Late Payment Fee $25.00 $25.00 $25.00 $25.00
$25.00
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.
IMCU Credit Card Agreement & FAQs
Balance Transfers

Balance Transfers:

To transfer a balance from another credit card to your IMCU MasterCard®, follow the instructions below:
  • Login to Digital Banking
  • Click on the Credit Card Tab, Select the Card You Want the Transfer to & Click "Submit"
  • Select the "Services" Tab at the Top of the Page, and Click on "Balance Consolidation"
  • Follow the instructions!
If you have any questions regarding a balance transfer, please contact Member Services at 866.570.1991.
Important Phone Numbers & Payment Address

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
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 No Fee
Paying Interest 25 days4 25 days4 25 days4 25 days4
Late Payment Fee $18.00 $18.00 $18.00 $18.00
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.

Former Share Covered Mastercard®

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

3 Introductory 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
Features & Rewards information