Local. Rewards. Fixed Rate.
ICCU offers quality credit cards without hoops, strings or fine print. Don’t get 'hooked’ by introductory rate credit cards whose low rate only applies for a few months, or only to certain purchases.
VISA Classic Credit Cards offer lines of Credit from $500 to $5,000. Earn reward points with ScoreCard Rewards, including up to $500 cash back!
Big Spender? No Problem.
VISA Platinum Credit Cards offer lines of credit from $5,000 to $20,000, at a low fixed rate with no surprises or hoops to jump through.
Earn reward points with ScoreCard Rewards, including up to $500 cash back!
|VISA Credit Cards|
|Effective Date: January 4, 2021|
|Loan Type||Amount||Annual Percentage Rate (APR)*|
|Classic||$1,000 to $5,000.00||11.50% non-variable for purchases|
|11.50% non-variable for cash advances and balance transfers|
|Platinum||$5,000.00 to $20,000.00||8.9% non-variable for purchases and balance transfers|
|11.50% for cash advances|
No annual fees. VISA Classic and VISA Platinum minimum payments are calculated at 3% of the outstanding balance or $10. View full VISA disclosure.
Penalty APR and when it applies: ICCU will not automatically increase your interest rate except in cases of severe delinquency (60 days past due). Credit is subject to approval. Rates, terms, and conditions are subject to change at any time.
How we will calculate your balance: We use a method called "average daily balance (including new purchases)."
How to avoid paying interest: We will not chare you interest on purchases if you pay your entire balance owed each month within 28 days of your statements closing date.
Minimum Interest Charge: If you are charged interest the charge will be no less than $1.00.
Foreign transaction fees: 1.00% of each foreign currency transaction in U.S. dollars. 1.00% of each U.S. Dollar transaction that occurs in a foreign country.
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 http://www.consumerfinance.gov/learnmore.
ICCU's Credit Cards are "In-House"
Here's what that means to you:
Immediate Credit for Payments
When you make a VISA payment at an ICCU office or through It'sMe247 Online Banking your payment is IMMEDIATELY posted to your account.
24/7 Account Access
To get up-to-the-second account information, including payment history, balance and line of credit information through It'sMe247.
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.
Sign Up. Protect Your Credit Card.
With VISA Purchase Alerts, you can set up email or text alerts for your credit card. Alerts available include when a purchase is over a certain dollar amount, when your card is used outside of the United States, and when a purchase is made online or by phone. With these alerts, you can be aware of any unauthorized activity on your card and be able to react much sooner than waiting for your statement or periodically looking at your transactions online. Visit www.purchasealerts.visa.com to sign up for VISA Purchase Alerts.
To make a payment on your loan at ICCU, you can:
- Use an outside debit/credit card to pay using our payment portal
- Transfer the payment from your ICCU account in It'sMe247 Online Banking
- Visit any ICCU office
- Mail your payment, including your name and loan suffix to ICCU
- Isabella Community Credit Union, P.O. Box 427, Mt. Pleasant, Michigan 48804-0427
No, the credit bureau does not allow us to give out copies of the report. You can request a free copy of your credit report (without the score) by visiting AnnualCreditReport.com. If you have any problems, a Financial Service Representative would be happy to help you through the process.
Yes, ICCU offers a wide-variety of mortgage products, including:
As well as these special mortgage products:
- Federal Housing Administration (FHA) Loan
- USDA Rural Development Loan
- Veterans' Affairs (VA) Loan
- Vacant Land Loan