VISA Credit Cards

VISA (Debit) Gift Cards • VISA Travel Cards

Lost Card & Fraud Assistance -- Help is Here • Card Activation: 800-543-5073

VISA Phone Numbers • ICCU VISA Classic • ICCU VISA Platinum
Apply for a VISA Credit Card • Credit Education/Free Budgeting Help

Credit Line Account Agreement and Disclosure • The CARD Act

ICCU's VISA Credit Cards are "In-House"

Here's what that means to you:

Immediate Credit for Payments: 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.

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 sent in one envelope.
E-Statements: Sign-up for free e-statements and reduce the mail you receive from ICCU. Each month on the first, e-statement users receive an e-mail notifying them that their "statement is ready to view." It's safe, secure and statements are archived 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 put "people before profit" since 1958.

VISA: Classic or Platinum

ICCU VISA credit cards 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...a VISA credit card with your credit union.

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.

Free Coverage: No Cost Travel Accident Insurance

November 2011 -- Now available: No cost travel accident insurance for ICCU VISA card holders.

Click on the link above for complete details on the coverage. Watch your statement for additional details.

The above information reflects coverage limits for ICC's VISA classic card. Additional coverage is available for Platinum card holders. No cost accident insurance is not available on Home Equity Advantage VISA Gold.

Lost Card & Fraud Assistance

Lost Card: 989-773-5927
Monday to Friday/Business Hours = Loan Department at ICCU

Lost Card: 866-333-4740
Evenings and weekend = VISA Lost Card Assistance

Fraud Verification Phone Calls:

You may receive a telephone call on behalf of ICCU. This is the 24 hour VISA Fraud Monitoring Department who verifies all UNUSUAL account transactions.

This is part of the standard fraud monitoring system designed to protect you and your VISA card. This is a standard practice, and will depend upon your usage, travel plans, unique purchases or in the event of a potential fraud situation.

The VISA Fraud Monitoring Department will ask that you call a toll-free number (800-437-9392) to verify/confirm or report the specific transaction.

Note: If you are directed to any other number than the one listed above, just hang up. If you have questions, contact your credit union immediately.

ICCU VISA Classic -- Lines of Credit from $300 to $5,000

Credit Line Account Agreement and Disclosure - Updated Nov. 2011

Annual Percentage Rate (APR) for Purchases	11.50% non-variable
Annual Percentage Rate (APR) for Balance Transfers	11.50% non-variable
Other Annual Percentage Rates (APR):
Cash Advance APR	11.50% non-variable
Payment Penalty Rate APR If your VISA balance becomes 60 days or more delinquent, the interest rate will increase to the Penalty Rate.	15.90%
Annual Membership Fee	None
Late Payment Fee	$15.00
Over the Limit Fee	None
Cash Advance Fee	None
Balance Transfer Fee	None
Grace Period for Repayment of Balances for Purchases	28 days
Method of Computing the Balances for Purchases	Average daily balance including new purchases
ICCU's Credit Line Account Agreement and Disclosure

ICCU VISA Platinum

Platinum: For lines of credit of $5,000 to $20,000

Credit Line Account Agreement and Disclosure -- Updated Nov. 2011

Annual Percentage Rate (APR) for Purchases	8.90% non-variable
Annual Percentage Rate (APR) for Balance Transfers	8.90% non-variable
Other Annual Percentage Rates (APR):
Cash Advance Rate	11.50% APR non-variable
Penalty Rate APR If your VISA balance becomes 60 days or more delinquent, the interest rate will increase to the Penalty Rate.	15.90% APR
Annual Membership Fee	None
Late Payment Fee	$15.00
Over the Limit Fee	None
Cash Advance Fee	None
Balance Transfer Fee	None
Grace Period for Repayment of Balances for Purchases	28 days
Method of Computing the Balances for Purchases	Average daily balance including new purchases
ICCU's VISA Agreement and Disclosure

To report a lost or stolen VISA card call the automated line: 800-543-5073

To report a lost or stolen VISA card call to speak to a live person: 866-333-4740

If during business hours, contact ICCU directly at 989-773-5927.

Home Equity ADVANTAGE VISA Gold

ICCU's Home Equity ADVANTAGE VISA Gold program offers the convenience of a credit card with the advantages of a home equity loan.

Apply for an ICCU Home Equity ADVANTAGE VISA Gold today using ICCU's secure application link.

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 deductability for most borrowers (please consult your tax advisor).
Whether you need to consolidate higher rate bills, buy a car, make a major purchase, or put your kids through college, consider the Home Equity ADVANTAGE VISA Gold.

The CARD Act - Questions & Answers

Q: What does the CARD Act Stand for?
A: CARD ACT stands for Credit Card Accountability, Responsibility and Disclosure Act of 2009. The act applies only to credit cards, not debit or ATM cards.

Q: What is the purpose of the CARD Act?
A; To eliminate the unsavory lending practices used by some financial institutions and credit card companies. As ICCU does not engage in these practices (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, consumers 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: 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 you are comfortable. The only time ICCU would raise an interest rate is in cases of SEVERE delinquency (more than 60 days) -- and you'll be well informed of that situation, if applicable.

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, the same day.

Credit card balance transfers are free, quick, and simple to do...so you can say "goodbye" to Target credit at 22% APR and "goodbye" to Home Depot at 26% APR.

Questions? Contact the ICCU Loan Department at 989-773-5927.

Resources: "Consumer's Guide to Understanding Credit Cards"

VISA Telephone Numbers:

Activation Line: 800-543-5073
Lost and Stolen Cards: 866-333-4740 or 989-773-5927
Overseas -- Lost/Stolen: 727-570-4881

Fraud Monitoring: 800-437-9392
Fraud Monitoring (Outside USA): 727-227-4227

VISA (Debit) Gift Cards

VISA (Debit) Gift Cards make the perfect gift! They are smart, thoughtful and good for any occassion.

What is it? A VISA Gift Card is a pre-paid debit card that is processed like a credit card. The card is initially purchased from a financial institution, like ICCU, with a set amount of money loaded on the card. They can be used for multiple purchases as long as value remains on the card.

Where can they be used? VISA Debit Gift Cards can be used everywhere VISA is accepted including grocery stores, gas stations, merchant or online purchases and restaurants.

Simply direct an ICCU teller to load the card with the amount you identify. Funds can be transferred from your ICCU account, or loaded with cash -- either way it takes just a few minutes and the card is ready for use, or to be given as a gift. Please treat the card just like cash.

How to Use: When making a purchase, simply hand the card to the merchant for processing and sign the receipt. The amount of the purchase will be deducted from the card. To learn the outstanding balance on a particular card, call the toll-free number listed on the back of the card.

VISA Gift Cards FAQ -- Frequently Asked Questions (website).

VISA Travel Cards - Pre-Paid "CU Money Travel Card"

A "CU Money VISA Travel Card" is ideal for traveling, and makes a great gift for travelers.

Better than a Debit Card for Travel: It is a typical for hotels, gas stations and car rental agencies to place a hold on your checking account funds over and above the amount of the purchase when using a debit card.

How it works: With a VISA Travel Money Card the transacation is treated like a standard credit card purchase. Extra funds are not held, leaving the money available on the pre-paid card for additional purchases.

Travel Tips: It is recommended that you keep the instructions in a safe and separate location, and not with the card. In the event the card is lost or stolen, follow the instructions included (when purchased) to place a stop on the card and have a replacement card sent to you -- wherever you are in the world. In some cases, it make take up to 48 hours to be replaced.

Safe and Accepted: VISA Travel Cards are accepted world-wide and are much safer than carrying cash. VISA Travel Cards are re-loadabled, meaning you can add additional money to them easily and quickly. To learn the balance remaining on a card, call the toll-free number listed on the back of the card.

To purchase a VISA Travel Card, or VISA (Debit) Gift Card, visit any credit union office.