Credit Cards
We know every member uses credit a little differently. That’s why our cards give you the flexibility to choose what matters most.
Whether it’s saving with a low rate or earning 2% cash back on everyday purchases, you can manage your finances your way.
Explore our credit card options and decide which one is right for you.
Different features, same great foundation.
Both our cashback and low-rate credit cards come with a suite of benefits designed to give you flexibility, control, and peace of mind.
Low Rate Card
No Annual Fee
No Foreign Transaction Fees
No Fees for Cash Advances
No Fees on Balance Transfers
A lower rate could help you save on interest and pay down balances faster.
Industrial Credit Union offers a Mastercard® with rates as low as 9.9% APR* and a host of exclusive perks.
Cash Back Card
No Annual Fee
No Foreign Transaction Fees
No Fees for Cash Advances
No Fees on Balance Transfers
Whether you're buying groceries, filling up the tank, or planning your next getaway, your credit card should work harder for you.
With the Industrial Credit Union Mastercard®, you can earn 2% cash back while enjoying a suite of benefits.
Additional Benefits
| INTEREST RATES AND INTEREST CHARGES | |
| Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances | 9.90% - 24.90% when you open your account, based on your creditworthiness. After that, your APR may vary with the market and changes in creditworthiness. |
| Paying Interest | Your due date is at least 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchase balance that you pay by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | 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: https://www.consumerfinance.gov/learnmore/ |
| FEES | |
| Annual Fee | None |
| Transaction Fees: | Cash Advance Fee - None Balance Transfer Fee - None Foreign Transaction Fee - None |
| Penalty Fees: | Late Payment Fee - $25 Over-the-Credit Limit Fee - None Returned Payment Fee - $25 |
Benefits are subject to change and may vary by card. Subject to approval based on credit worthiness. For complete and current benefit information, including terms, conditions, limitations, and exclusions, please visit Low Rate Mastercard® Benefits or Cash Back Mastercard® Benefits . See the Mastercard Cardholder Agreement for full account terms and conditions.
