VISA Platinum Disclosure • VISA Classic Disclosure 
Home Equity ADVANTAGE VISA Gold • Payoff Calculator
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To report a lost or stolen VISA card call: 800-543-5073

ICCU's Credit Card Services

ICCU's credit card program is "in-house."  Here's what that means to you:

Immediate Credit:  When you make a VISA payment at either ICCU office, or online with ICCU's free online account access program, "It'sMe247," your payment is IMMEDIATELY posted to your account.  Yes, immediately!

24/7 Access:  To get up-to-the-second account information, including payment history, balance and line of credit information from any PC connected to the internet, use "ItsMe247."  

It's safe, free and easy to use. 

To sign-up call or contact any Member Service Representative.

Combined Statements:  Both your ICCU statement and monthly VISA statement are combined into one mailing.

Reduce Your Mail: Sign-up for free e-statements. You will receive an e-mail on the first of each month, noting that your "statement is ready to view."  It's safe, secure and statements are archieved for easy retrieval.  To sign up, use "It'sMe247."

Consumer Focused:  Your credit union does NOT play games with credit cards.  Only in cases of severe delinquency (60 days or more delinquent) will your interest rate be raised or line of credit reduced.  ICCU is proud to offer quality credit cards without hoops or fine print.  ICCU is in compliance with the CARD Act, and was so before financial institutions were directed to follow the new laws.  Rest assured that your credit union has always put "people before profit." 

CREDIT CARD WARNINGS:

Scam Warning:  Watch out for .99 cent product grabbers (weight loss products and teeth whitening programs).   Here's how it works:  They pull you in with a .99 price for a quality product ordered online.  When you give htem your VISA card number, they  establish a re-occuring monthly payment that is charged to your VISA card.  This can be easily avoided by READING THE FINE PRINT before hitting "yes" or "I agree" to any offer that may seem too good to be true.

Credit Card Payoff Calculator

VISA:  Classic or Platinum    

Don’t get 'hooked’ by introductory rate credit cards whose good rate only applies for a few months or only to purchases. Go with a sure thing!

With lines up credit up to $20,000 you get great purchasing power with an ICCU VISA! 

Affordable • Convenient • Local • No games, hoops or teaser tricks. 

Home Equity ADVANTAGE VISA Gold

All of the convenience of a credit card...all the advantages of a home equity loan.

With a Home Equity ADVANTAGE VISA Gold from your credit union, you can have all the purchasing power you need right in your wallet!  Just take a look at the benefits:

•  Lines of credit up to $100,000
•  Variable rate at prime + 0.00% - Based on prime rate with floor of 5%. 
•  Tax deductible for most borrowers*

Whether you need to consolidate higher rate bills, buy a car or other major purchase, or put your kids through college ... the Home Equity ADVANTAGE VISA Gold is a great option.  Contact ICCU's mortgage or loan department for details.

*Consult your tax advisor.

Request an Application • Credit Card Payoff Calculator

ICCU VISA Platinum (Lines of credit from $5,000 to $20,000) 

Annual Percentage Rate (APR) for Purchases	8.9% non variable (1)
Annual Percentage Rate (APR) for Balance Transfers	11.5% non variable (1)
Other Annual Percentage Rates (APR)	Cash Advance Rate: 11.50% APR (2) Delinquent Rate: 15.90% APR If your VISA balance becomes 60 days or more delinquent the interest rate will be increased to 15.9%.
Annual Membership Fee	None
Late-Payment Fee	$15.00 (3)
Over the Limit Fee	None
Cash Advance Fee	None
Balance Transfer Fee	None
Grace Period for Repayment of Balances for Purchases	28 days (4)
Method of Computing the Balances for Purchases	Average daily balance including new purchases
(1) The Annual Percentage Rate (APR) is non variable. (2) The APR for cash advances for credit cards is non variable. (3) Late Charge: If the minimum required payment is not received within 15 days after the closing date subsequent to the payment due date, a flat fee of $15.00 will be imposed. (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 28 days form the closing date of that statement.  If you elect not to pay the entire new balance shown on your previous monthly statement within that 28-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 preceding the date on which the entire new balance is paid in full or until the date of payment if  more than 28 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 balance 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 or credits as posted to your account, but excluding any unpaid finance charges. A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 28 days from the closing date.  If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 28 days of the closing date of that statement, no finance charge will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles. Returned check (non-sufficent funds - NSF) when used to make VISA card payment = $20 .00 VISA credit cards may not be automatically renewed/re-issued if there is a pattern of delinquency and/or over limit issues with ICCU.  Exceptions may be approved the ICCU Credit Committee.

The CARD Act - Questions & Answers 

Q: What does the CARD Act Stand for?
A: CARD ACT stands for Credit Card Accountability, Responsiblity and Disclosure Act of 2009.

Q:  Does the CARD Act impact only credit cards?
A:  Yes

Q:  What is the purpose of the CARD Act?
A;  To elminate the unsavory lending practices used by some financial institutions and credit card companies. As ICCU does not engage in these pratices (like increasing your interest rate after missing the payment due date by one day; or decreasing your line of credit automatically) so the impact will be minimal.

Q:  What is an open-ended loan?
A:   Open-ended loans allow the borrower to put money in (make a payment) and get money (withdrawal/loan) without repeated paperwork and processing.  They are considered flexible loan products, typically secured with a borrower's signature.

Q:  Why should you care?
A:  Your credit cards are directly impacted -- from all sources.  The first round began August 20, 2009 and involves the timing of mailing monthly statements and the due dates.  For example, consumer are now given 21 days from when the statement is mailed to when the payment is made -- to avoid excessive late fees.   At ICCU, we've heard horror stories from members who tell us they were JUST one to two days late on a payment and their rate increased automatically from 6% to 26%!  Yes, it's happening...but not at your credit union.

Q:  What else?
A:   Please note that your ICCU payment due dates on applicable loans, including VISA will now be on the 28th of each month, starting in September.  If you have an automatic transfer from an ICCU account to make your payment -- the transfer will CONTINUE as arranged.  There is no need to contact us.

Q: Can you tell me more about ICCU's lending practices?
A:  You can rest assured that your credit union has never, nor has any plans to engage in deceptive rate hikes, line decreases or participate in any of the traps that are done to make money off consumers.  ICCU has always offered low rates, comfortable terms and no hoops or hype.  Meaning, your credit union won't suck you in with a low introductory rate, only to change it to a high rate six months in, after your comfortable.   And, the only time ICCU will raise an interest rate is in cases of SEVERE delinquency -- and you'll be well informed of that situation.  

Q:  How can I transfer my high rate cards and loans to ICCU?
A:  Call or visit a loan officer, or apply online.  There is never a fee to apply.  Turn-around time is quick -- typically on the same day.  Credit card balance transfers are free, quick, and simple to do...so you can say "GOODBYE" to Target at 22% and "GOODBYE" to Home Depot at 26%.   Questions?  Contact Andrea, Donna, Marj or Rod at 989-773-5927 today!

For more helpful credit card information for consumers -- click here.

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Isabella Community Credit Union
Service Locations: 2400 S. Isabella Road
and 2100 E. Remus Road (West M-20)
Mount Pleasant, Michigan 48858
Mailing Address: P.O. Box 427, Mt. Pleasant MI 48804-0427
989.773.5927
Fax: 989.773.6469