Credit Cards

IMCU offers a variety of credit cards to meet all needs. 

CHANGES COMING: The IMCU credit card program is changing.  You have received letters regarding your card in the mail with details and dates on what to expect.  Please see below for current card details.  If you have any questions regarding your card, please contact us at  866.870.1991 or IMCU Member Services at 800.556.9268 or 317.248.8556.

IMCU Credit Card Take Action Handout for web 1      IMCU Credit Card Take Action Handout for web 2 2

Need Assistance?

Member Service Phone Number: 866.570.1991

Lost/Stolen Phone Number: 800.449.7728 (If out of the country, 727.299.2449)

Card Activation Phone Number: 800.631.3197

PIN Now Phone Number: 888.886.0083

Rewards Phone Number: 800.637.7728

Payment Address: P.O. Box 71050 Charlotte, NC 28272-1050

Credit Cards Offered:

Feature

Legacy Card

(Former Visa Platinum®)

Legacy Card

(Former Visa Classic®)

Legacy Card

(Former Visa Gold®)

Legacy Card

(Former MasterCard®)

Annual Percentage Rate (APR)

4.9%1

1st 6 months

9.9%

Non-Variable

13.96%

Non-Variable

10.80%

Non-Variable

12.96%

Non-Variable

 Rewards

Earn 1 point for every $1

spent and redeem for

travel or merchandise.

N/A 

 

Earn 1 point for every $1

spent and redeem for

travel or merchandise.

N/A

Annual Membership Fee

No Fee

No Fee

No Fee

$10.00

Paying Interest

25 days3

25 days3

25 days3

25 days3

Late Payment Fee

$18

$18

$18

$18

Foreign Transaction Fee

 

If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed.

Former Share Covered MasterCard®

  • Rate - 12.96% APR1
  • $10 Annual Fee
  • Travel Accident & Credit Insurance

Credit Card Agreement & Disclosures

FAQs Regarding Credit Card Changes:

Indiana Members Credit Union (IMCU) is continually working to enhance the product offerings available to our members.  As part of this commitment, some exciting changes are coming to the current IMCU credit card program.

Have additional questions?  Contact our Member Services Department at 800.556.9268 or 317.248.8556 or 866.570.1991

 

New Credit Card Offerings:

Feature

World Premier

MasterCard®

Premier Advantage

MasterCard®

Premier Rewards+

MasterCard®

Annual Percentage Rate (APR)

Intro Rate: 1.90%2 | 12 Mo.

Prime+7.49%-

Prime+9.49%

 

Intro Rate: 1.90%2 | 12 Mo.

Prime+4.49%- 

Prime+13.49%

 

Intro Rate: 1.90%2 | 12 Mo.

Prime+5.99%-

Prime+14.99%

 Rewards

Earn 1 point for every $1

spent and redeem for

travel, merchandise, gift cards

or 1.5% cash back

N/A 

 

Earn 1 point for every $1

spent and redeem for

travel, merchandise, gift cards

or 1% cash back

Annual Membership Fee

No Fee

No Fee

No Fee

Paying Interest

25 days3

25 days3

25 days3

Late Payment Fee

$19.00

$19.00

$19.00

Foreign Transaction Fee

 

If a foreign transaction involves a currency conversion, a fee of up to 1% of the transaction amount will be assessed. If the foreign transaction does not involve a currency conversion, a fee of up to 1% of the transaction amount will be assessed.

Credit Card General Application 2018

 

 Enhanced Online Protection:

IMCU MasterCard® credit cards offer enhanced online protection. MasterCard SecureCode® protects your existing credit card with a personal password, giving you reassurance that only you can use your card online. To activate this feature, have your card handy and visit the sites below.

MasterCard LogoMasterCard SecureCode For your Credit Card 

 MasterCard Logo MasterCard® SecureCode® for your Debit Card

TO REPORT YOUR CREDIT CARD LOST OR STOLEN, CALL 800.449.7728

1 Introductory 4.90% APR on transactions until the first day of the billing cycle that includes the six month anniversary date of the opening of your account. After that, balances convert to a low APR of 9.90%. After that date, all purchased, balance transfers, and cash advances will also be at 9.90% APR. As of 2/1/2010 the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the current information by writing to the Member Services Phone Center. MasterCard® may impose charges for transactions performed outside the United States. These will be itemized and identified separately on your periodic statement. MasterCard's currency conversion procedure includes use of either a government-mandated exchange rate or wholesale exchange rate MasterCard uses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is processed, which may differ from that applicable to the date the transaction occurred or when it is posted to the cardholder's account. 2 Annual Percentage Rate (APR) for Purchases 1.90%APR. Introductory APR for 12 months from account opening. After that, your APR will be at 9.49%-21.00% based on creditworthiness. This APR will vary with the market based on prime rate. APR for balance transfers- 1.90% Introductory APR for a period of 12 billing cycles. After that, APR will be 9.49%-21.00%APR based on creditworthiness. This APR will vary with the market based on prime rate. APR for cash advances- 9.49%-21.00%, when you open your account based on creditworthiness.  This APR will vary with the market based on prime rate. 3 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 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

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