Credit Cards
Put more flexibility into the way you pay. When you need quick access to money for purchases on the go, you need one of our Visa® credit cards.
Our Visa® credit cards
deliver rewarding
experiences every day.
A low introductory rate3 for 12 months. Opportunities to earn rewards on every purchase, all the time. Jumpstart credit cards specifically for members age 18-21 to build their credit. Credit cards from Indiana Members Credit Union offer convenient purchasing power, perks, and flexibility, backed by local service.
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Find an IMCU Visa® credit card that fits you.
No annual fee, no matter which card you choose.
Low introductory rate for 12 months on consumer cards.
Choose to earn rewards or go for our lowest interest rates.
Manage your account and all activity through Digital Banking.
Consumer Credit Cards
Your everyday spending deserves the right credit card. At IMCU, you have multiple consumer credit card options designed to give you flexibility and control.
Visa® Signature
Rewards Details
Earn 1 ½ points for every $1 spent and redeem for travel, merchandise, gift cards or cash back.
APR
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Intro rate of 3.9% APR1 for 12 months
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After that, APR is Prime+7.49% - Prime+9.49%
Visa® Platinum & Platinum Jumpstart
Rewards Details
- This card offers a lower rate rather than a rewards program.
- Jumpstart credit cards for those age 18-21 to help build credit.
APR
- Intro rate of 3.9% APR1 for 12 months
- After that, APR is Prime+4.49% - Prime+13.49%
Visa® Platinum Rewards & Platinum Rewards Jumpstart
Rewards Details
- Earn 1 point for every $1 spent and redeem for travel, merchandise, gift cards or cash back.
- Jumpstart credit cards for those age 18-21 to help build credit.
APR
- Intro rate of 3.9% APR1 for 12 months
- After that, APR is Prime+5.99% - Prime+14.99%
Business Credit Cards
Your company needs the right credit card for everyday purposes. At IMCU, you have two options that provide the financial flexibility you need.
Business Visa®
Features
- This card offers a lower rate rather than a rewards program.
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Includes travel and emergency assistance, purchase security, extended warranty, and Travel Accident Insurance up to $200,000.
APR
Prime + 5.00%4
Business Rewards Visa®
Features
- Earn 1 point for every $1 spent and redeem for travel, merchandise, gift cards, or cash back.
- Includes travel and emergency assistance, purchase security, extended warranty, and Travel Accident Insurance up to $200,000.
APR
Prime + 7.00%4
Visa® Jumpstart credit cards can help young adults get started with credit.
These Visa® credit cards are specifically designed for you to ease into the responsibility of good credit management. The lower credit limits help you avoid overspending, and on-time payment rewards encourage responsible credit habits that can help build credit.
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Digital wallets let you carry your cards without the weight.
No more searching your wallet or purse for the right card when you're in a store. All you need to do is add your IMCU Visa® credit card to your digital wallet. Then, wave your device over the merchant's payment terminal to speed through the payment process. Online purchases are just as easy, so you can check out quickly without adding your card information every time.
Open your mobile wallet to begin.
Compare Your Credit Card Options
| Details | Visa® Signature | Visa® Platinum | Visa® Platinum Rewards | Visa® Platinum Jumpstart | Visa® Platinum Rewards Jumpstart |
|---|---|---|---|---|---|
| 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. | In lieu of rewards, this card traditionally offers a lower rate. | Earn 1 point for every $1 spent and redeem for travel, merchandise, gift cards or cash back. | In lieu of rewards, this card traditionally offers a lower rate. | 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 2% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 2% of the transaction amount will be assessed. |
See full Credit Card Agreement for all fees.
Important Phone Numbers and Payment Address
Important Phone Numbers
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Member Service: 866.570.1991
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Lost or Stolen Card: 800.449.7728 (If out of the country, call collect 727.299.2449)
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Card Activation: 800.631.3197
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PIN Now: 888.886.0083
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Rewards: 800.637.7728
Payment Address
P.O. Box 37603
Philadelphia, PA 19101-0603
Balance Transfers
To transfer a balance from another credit card to your IMCU Visa®, follow the instructions below:
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Log in to Digital Banking
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Click on the Credit Card
-
Click on "Card Services"
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Select "Balance Transfer"
-
Follow the instructions!
If you have any questions regarding a balance transfer, please contact Member Services at 866.570.1991.
See disclosures for balance transfer fees and APRs.
Credit Card Benefits
IMCU Credit Card Agreement & FAQs
You can turn a larger
purchase into fixed
installment payments.
Installment payments let you divide qualifying purchases into monthly payments with no impact to your credit score, all through the mobile app.
1Annual Percentage Rate (APR) for Purchases 3.90% APR. Introductory APR for 12 months from account opening. After that, the APR is Prime+4.49% - Prime+14.99% 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, the APR is Prime+4.49% - Prime+14.99% based on creditworthiness. This APR will vary with the market based on prime rate. Balance transfer fee of 3% with $5 minimum will apply. APR for cash advances- Prime+4.49% - Prime+14.99%, 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. Maximum rate of 25.00% APR.
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
3Introductory rate offer is only for New IMCU consumer credit cards. The introductory rate does not apply to members who have had a previous credit card.
4Annual Percentage Rate (APR) for Purchases is Prime + 5.00% APR or Prime + 7.00% APR. This APR will vary with the market based on the prime rate. APR for balance transfers will be Prime + 5.00% APR or Prime + 7.00% APR. This APR will vary with the market based on the prime rate. Balance transfer fee of 3% with $5 minimum will apply. Cash advance fee of 4% with a $5 minimum will apply. No maximum fee for cash advances and the cash advance APR will be 2.00% above the purchase APR. This APR will vary with the market based on the prime rate.