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Your Hometown Visa Source – Value AND Personal Service


Lost or Stolen Visa Card

Call 800.449.7728 any time
Or, call Interra Credit Union at
574.534.2506 or 888.432.2848
during regular business hours
 


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:

Each Visa card program also offers great low rates, rewards and more!

Earn rewards points when you use your Interra Visa card:

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.  View the rewards brochure here.

  • 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, visit curewards.com.
    • You may also redeem your points for gift cards.  For a complete list of the merchant gift cards available, click here.
  • 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.   

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, even outside of Interra business hours

No matter which card you choose, enjoy convenience when it comes to receiving your statement or paying your bill.

Statement Options:

Payment Options:

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:  Mexico, Balkans, Belgium, Burma (Myanmar), Cuba, Iran, Iraq, Liberia, North Korea, Romania, Russia, Sudan, Syria, Ukraine, Vietnam and Zimbabwe.

Applying is easy:

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VISA Classic Card

A User-Friendly Credit Card!

  • Low interest rate – Only 11.90% annual percentage rate (APR)
Visa Classic card:
Schumer Box Disclosure Statement
Annual Percentage
Rate (APR) for purchases
 11.90%
Other APRs 11.90% on cash advances
11.90% on balance transfers
Variable rate N/A
Annual fee None
Minimum finance charge None
Transaction fee for purchases and cash advances None
Grace period for repayment of the balances for purchases 25 Days
Method for computing the balance for purchases and cash advances Average daily balance
(Including new transactions)
Balance transfer fee None
Late payment fee $17.00 (More than 10 days past the due date)
Over the credit limit fee $20.00
Foreign transaction fee Up to 1%
Card center phone payment fee $5.00
The minimum monthly payment is 2% of your total new balance or the “over-limit” amount, whichever is greater, but not less than $25.00 plus the amount of any prior payments that you have not paid.  The periodic rate is 0.9916% per month for cash advances and purchases.  Billing cycles begin the 13th business day of the month.
 
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VISA Platinum Card

A Great, Low Rate!

  • Great interest rate – Only 8.9% annual percentage rate (APR) 
Visa Platinum card:
Schumer Box Disclosure Statement
Annual Percentage Rate (APR) for purchases  8.9%
Other APRs 8.9% on cash advances
8.9% on balance transfers
Variable rate N/A
Annual fee None
Minimum finance charge None
Transaction fee for purchases and
cash advances
None
Grace period for repayment of the balances for purchases 
25 days
Method of computing the balance for purchases and cash advances Average daily balance (Including new transactions)
Balance transfer fee None
Late payment fee
$17.00 (more than 10 days past the due date)
Over the credit limit fee $20.00
Foreign transaction fee Up to 1%
Card center phone payment fee $5.00
The minimum monthly payment is 2% of your total new balance or the “over-limit” amount, whichever is greater, but not less than $25.00 plus the amount of any prior payments that you have not paid.  The periodic rate is 0.7416% per month for cash advances and purchases.  Billing cycles begin the 13th business day of the month.

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Visa Family Card

Give your kids some credit – Teach them good credit habits with a Family Card

What is the Family Card? 

The Family Card is a shared family credit line with accounts for individuals as young as 15 years old. It can:
  • 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.
You put parental controls in place – including customized spending limits for each family member.

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
 Visa Family card:
Schumer Box Disclosure Statement


Annual Percentage Rate (APR) for purchases

A) Classic 11.9%
B) Platinum 8.9% 

Other APRs

A) 11.9% on cash advances
     11.9% on balance transfers
B) 8.9% on cash advances
     8.9% on balance transfers

Variable rate N/A
Annual fee None
Minimum finance charge None
Transaction fee for purchases and cash advances None
Grace period for repayment of the balance for purchases 25 days
Method of computing the balance for purchases and cash advances Average Daily Balance
(including new transactions)
Balance transfer fee None
Late payment fee $17.00 (more than 10 days past the due date)
Over the credit limit fee $20.00
Foreign transaction fee Up to 1%
Card center phone payment fee $5.00
**The minimum monthly payment is 2% of your total new balance or the “over-limit” amount, whichever is greater, but not less than $25.00 plus the amount of any prior payments that you have not paid.  The periodic rate A) 0.9916% and B) 0.7416% per month for cash advances and purchases.  Billing cycles begin the 13th business day of the month.
 
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Visa Credit Card contact information

Customer Service:

Card Activation:

   800.654.7728

   800.527.7728

    

Disputes:

A dispute must be submitted in writing to:

   by mail:
      PO Box 31112
      Tampa, FL
      33631-3112

or 
 

via fax:
   727.571.4598

 

   

Lost/Stolen Cards:

   Cardholder Services
   800.449.7728

or Interra Credit Union
574.534.2506 or 888.432.2848
   

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.

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