Credit Cards 

A truly local credit card from your local credit union!

We work to bring our members competitive rates, and few fees with our Visa credit cards so you’re sure to find a card that fits your lifestyle.

choosing the right credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

• Low Variable Rates based on Prime Rate

• No Application fee

• No Annual fee - Use it when you need to, there’s no fee if you don’t.

• No Cash Advance fee

• No Balance Transfer fee - Consolidate your high-interest cards into one payment.

• 25 day grace period on purchases

• Easy application

• EMV smart chip technology for added security

• Mobile wallet purchasing capability for added convenience with your smart device
  

WITH OUR PLASTIC IN YOUR POCKET, YOU HAVE SPENDING POWER!

Our cards provide an easy, convenient, and secure way to pay for your purchase anytime, anywhere.

• Eligibility for type of card is determined by credit score. 

• Platinum and Classic cards have 4.90% Introductory APR for 6 months on balance transfers. 

• APR is the same for purchases and cash advances.

Worried about rising interest rates? Don’t be! Our maximum rate on all credit cards is 18.00% (much less than those store card rates).

FAQs

What should I do if my card is lost or stolen?

24/7 contact numbers are: VISA Debit Card 855-472-7382, ATM Card 855-472-7382, VISA Credit Card 855-511-8957

How do I get a new card?

To request a new card, please send us a secure message in your online or mobile banking account, call us at 765-529-6632, or visit our branch.

How does the Secured Credit Card Work?

Our Secured Credit Card is backed up by your savings account -that’s why it is perfect for building or repairing your credit! Here’s how it works:

• You set aside funds in your savings account.

• The money you set aside determines your credit limit. So if you set aside $500, you’ll have a $500 credit limit.

• You make monthly payments, just like any other credit card.

• You build (or repair) your credit. Your on-time payments count towards your positive payment history, just like a regular credit card.

HOW CAN I ADD A TRAVEL NOTIFICATION TO MY crEdIT CARD?

If you’re traveling for business or going on a vacation outside your usual stomping grounds, don’t forget to notify Us to ensure that your credit card is ready to go when you are. Simply contact us at 765-529-6632 to place a travel notification and avoid a block on your card. Let Us know where you’ll be traveling, the dates, and what credit cards you’ll be using.

how do i 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 interest on purchases if you pay your entire balance owed by the due date each month.

how do i use mobile wallet?

Fast, easy, and secure payments right from your mobile device. You can now add your Credit Card to your Mobile Wallet, allowing you to quickly and securely pay for purchases directly from your mobile device using Apple Pay, Google Pay, or Samsung Pay. Learn more about this here.

for credit card tips from the consumer financial protection bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore

how we will calculate your balance

We use a method called “average daily balance (including new purchases)”.

what is the minimum monthly payment?

The minimum monthly payment will equal the greater of 3.00% of your total new balance or $25.00, plus any amount that is over limit, and any amounts that are past due.

can I see my Credit Card online?

Our credit card website is ready for you to use. The list of what you can do online includes:

• Enroll in eStatements and discontinue paper statements

• Make payments using a variety of options:

  • Single payments

  • Automatic payments for effortless, on time bill payment

  • Schedule and cancel future dated payments

  • Pay balance, minimum due or specified amount

• Search for transactions by date or by statement period

• Initiate disputes online

• Check payment history and review future scheduled payments

• Receive notifications to activate their card online

• Modify profile information (email)

• Request a temporary password

how do i see my credit card online?