Credit Cards

Interstate’s MasterCard® offers convenience, buying power and affordability.

Click Here to APPLY for a Interstate’s MasterCard®

Report a Lost or Stolen Card | Activate a Card | Customer Service Call 1-855-574-1511 

It’s New!
Introducing MasterCard® SecureCode — a new online security service to guard you against unauthorized use of your MasterCard card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles… just added security. Once enrolled in this service, you’ll have added confidence knowing that MasterCard® SecureCode performs an extra authentication step to protect your account from unauthorized users online. Click here: SecureCode

MasterCard® SecureCode™ is a free added online authentication security service to guard you against unauthorized use of your MasterCard while shopping online at participating merchants. All of our cards are embedded with an EMV computer chip which adds a safeguard against fraud.

Card holders can enjoy these great benefits:

  • No Annual Fee
  • No Transaction Fees on Purchases
  • Earn Rewards with uChoose Rewards
  • 24-hour lost/stolen card reporting

Interstate’s  MasterCard®
Interest Rates, Fees, and Charges** 

MasterCard® 
Annual Percentage Rate (APR) for Purchases, Cash Advances & Transfers
9.9% – 17.90%
Paying Interest
Your due date is 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date.
Minimum Payment
(Which ever is greater)
3% or $20
Minimum Interest Charge
NONE
Fees
Annual Fee
NONE
Transaction Fees
 (Percent of the Transaction Amount)
NONE
Purchases 
0%
Cash Advance Fee
 2% 
Balance Transfer
2%
Foreign Currency Conversion
2%
Cross-Border Transaction Fee
Late Payment Fee
$25
Returned Payment Fee
$30
Over the Credit Limit Fee
$0
Pay By Phone Fee 1-855-574-1511
$10
Replacement Care
$5

Other Disclosures:

* Qualification is based on an assessment of creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
** Information correct as of  August 5, 2016. Current and complete Credit Card Agreement and disclosures can be obtained by calling 912-427-3904.

How We Calculate Your Balance: We use a method called “average daily balance (including new transactions).”

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