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Your Hometown Visa Source – Value AND Personal Service
The Interra VISA® Credit Card Programs
Interra Credit Union is your source for Visa Credit Cards. Because the programs are designed to fit your needs and lifestyle, you can choose the card that's best for you. Plus each program offers a great low rate, rewards and more:
- The Visa Classic Card – User-friendly
- The Visa Platinum Card – A great, low rate
- The Visa Family Card – Give your kids some credit
- The Visa Business Card – Convenience with control
Visa Rewards
Interra Credit Union “rewards” Visa credit cardholders with CURewards™. Through this exclusive program, using your Visa Classic, Platinum or Business card will unlock the door to exciting travel opportunities and premium merchandise.
- How does CURewards work? For every dollar you charge for purchases on your credit union card, you earn points. The more points you accumulate, the greater your reward.
- Redeem your reward.
- To view a full selection and description of the merchandise and travel opportunities, login at curewards.com or access your account through the Visa tab in Interra Online banking.
- You may also redeem your points for gift cards. Browse the complete list of the merchant gift cards available.
- Do I have to sign up? If you are a current Interra cardholder, you are already accumulating rewards points, automatically; you don’t have to do a thing.
- Apply for an Interra Visa card. If you do not have an Interra Visa credit card, apply today.
Learn more about redeeming Visa rewards.
Other card features:
- No annual fee
- 25-day grace period on the purchases you make
- No transaction fees on purchases or cash advances
- ATM access with a PIN number at any ATM displaying the Visa logo
- Cash advances available at Interra and participating institutions world-wide
- Travel accident insurance when you charge your travel on your Visa card*
- Low monthly payments
- Visa Online – online access to manage your account, view statements and more
- Customer service support – 24/7 access to customer service representatives
No matter which card you choose, enjoy convenience when it comes to receiving your statement or paying your bill.
Statement Options:
- Visa e-Statements
- Traditional mail statements
Payment Options:
- Visa Online – In addition to managing your account, you can pay your bill via Interra Online banking.
- Automatic deductions from your Interra checking account
- In person at any Interra office location
- By mail
Traveling with your Visa Card:
If you are traveling abroad, please contact Interra Credit Union before you leave to ensure card accessibility. In addition to knowing which countries you will visit, Interra representatives will need to know your travel dates. With the increasing incidence of fraud, the major credit card companies have implemented blocking procedures for your protection and security. If you have questions or need more information, please call or stop by any Interra office.
Countries with blocked Visa card access include: Cuba, Iran, Iraq, Liberia, Macedonia, Myanmar (Burma), North Korea, Romania, Sudan, Syrian Arabian Republic and Zimbabwe.
Applying is easy:
- In person at any Interra office;
- Call us at 574.534.2506, or 888.432.2848; or
- Download the application and mail, fax or drop it off at any office location.
A User-Friendly Credit Card!
- Low interest rate – Only 11.90% annual percentage rate (APR)
| Interest Rates & Interest Charges | |
| Annual Percentage Rate (APR) for purchases | 11.90% |
| APR for balance transfers | 11.90% |
| APR for cash advances | 11.90% |
| Paying Interest |
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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Federal Reserve Board credit card tips |
To learn more about factors to consider when applying for or using a credit card, visit federalreserve.gov/creditcard. |
Fees
Set up and maintenance fee
None
Transaction fees:
Foreign transactions
Up to 1% of each transaction in U.S. dollars
Penalty fees:
Late payment fee
Returned payment
$17.00
$ 5.00
How we will calculate your balance: We will use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described above is accurate as of 11/1/2011. This information may have changed after that date. To find out what may have changed, call 574.534.2506 or write to Interra Credit Union, PO Box 727, Goshen, IN 46527.
A Great, Low Rate!
- Great interest rate – Only 8.9% annual percentage rate (APR)
| Interest Rates & Interest Charges | |
| Annual Percentage Rate (APR) for purchases | 8.90% |
| APR for balance transfers | 8.90% |
| APR for cash advances | 8.90% |
| Paying Interest |
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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Federal Reserve Board credit card tips |
To learn more about factors to consider when applying for or using a credit card, visit federalreserve.gov/creditcard. |
| Fees | |
| Set up and maintenance fee | None |
| Transaction fees: Foreign transactions |
Up to 1% of each transaction in U.S. dollars |
| Penalty fees: Late payment fee Returned payment |
$17.00 $ 5.00 |
Agreement and Disclosure
How we will calculate your balance: We will use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described above is accurate as of 11/1/2011. This information may have changed after that date. To find out what may have changed, call 574.534.2506 or write to Interra Credit Union, PO Box 727, Goshen, IN 46527.
Give your kids some credit – Teach them good credit habits with a Family Card
What is the Family Card?
- Teach younger family members responsible credit habits before they’re out on their own.
- Equip them with credit they can use for school or emergency situations.
- Prepare them to establish their own line of credit – and at an earlier age.
How Does the Family Card Work?
- The Key Accountholder is the parent(s) or adult(s) who applies for the Family Card.
- From acceptance of an application, the total credit limit is assigned to the Key Account.
- The interest rate is determined by the type of Key Account – Visa Classic at 11.9% APR, or VISA Platinum at 8.9% APR.
- A portion of the Key Account credit limit is assigned to the other family members at the Key Accountholder’s discretion.
Example of Account Structure:
Key Account Credit Limit = $5,000.00 Dependent A (age 16) = $ 250.00 Dependent B (age 18) = $ 750.00 Key Account = $4,000.00
- Example of Monthly Statement:
- The Key Accountholder receives the monthly statement.
- The statement shows all charges, balances and minimum payment amounts due.
- They payment coupon shows the total minimum due for the entire Family Card.
Example:
Key account owes $ 50.00 Dependent A owes $ 25.00 Dependent B owes $ 25.00 Total minimum due = $100.00
| Interest Rates & Interest Charges | |
| Annual Percentage Rate (APR) for purchases |
11.90% A) Classic 8.90% B) Platinum |
| APR for balance transfers |
11.90% A) Classic 8.90% B) Platinum |
| APR for cash advances | 11.90% A) Classic 8.90% B) Platinum |
| Paying Interest |
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. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| Federal Reserve Board credit card tips |
To learn more about factors to consider when applying for or using a credit card, visit federalreserve.gov/creditcard. |
| Fees | |
| Set up and maintenance fee | None |
| Transaction fees: Foreign transactions |
Up to 1% of each transaction in U.S. dollars |
| Penalty fees: Late payment fee Returned payment |
$17.00 $ 5.00 |
How we will calculate your balance: We will use a method called "average daily balance" (including new purchases). See your account agreement for more details.
Billing rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the costs of the card described above is accurate as of 11/1/2011. This information may have changed after that date. To find out what may have changed, call 574.534.2506 or write to Interra Credit Union, PO Box 727, Goshen, IN 46527.
Visa Credit Card contact information
Phone Numbers:
| Customer Service | Card Activation | |
| 800.654.7728 | 800.527.7728 |
Disputes:
A dispute must be submitted in writing to:
| by mail: | via fax: | |||
| PO Box 31112 Tampa, FL 33631-3112 |
OR | 727.571.4598 |
||
Mail Payments:
| Interra Credit Union PO Box 727 Goshen, IN 46527-0727 |
OR | Visa PO Box 96099 Charlotte, NC 28296-0099 |
||||
*No Cost Travel Protection
When you charge to your covered credit card the fare(s) for travel on a common carrier, you, your spouse, and dependent children under the age of 19 years (25 years if a full-time student attending an accredited college or university) will be automatically covered on Visa Classic & Visa Platinum up to $200,000 of accident insurance covering accidental death and dismemberment. Coverage is also provided while traveling on a common carrier directly to or directly from an airport, train or ship terminal on which the Cardholder was a fare-paying passenger.
