Give yourself some credit—you know a deal when you see one.
Enjoy credit card options with low rates, great benefits and a 25-day grace period.
Apply for a loan today. Save time by logging into your online banking to pre-fill your application form. After you have logged in click on 'Apply For Loan' to get started.
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Credit Card Benefits
Interra is your source for great credit cards with excellent rates and benefits to fit your lifestyle.
- No annual fee1
- Rates as low as 11.75% APR2
- 25-day grace period on purchases
- Travel accident insurance3
- Manage your account, view statements, and more through Interra Online Banking
- 24/7 member support
- Check out our Mobile Wallet! (Data carrier rates may apply)
- Travel notices
- Fraud alerts and controls
- Airport Concierge™
- Your passport to the finer side of air travel. Enjoy a 15% savings on Airport Meet and Greet services. Arrange for a personal, dedicated Meet and Greet agent to escort you through the airport on departure, arrival or any connecting flights at over 700 destinations worldwide 24 hours a day, 7 days a week, 365 days a year. There are also certain airports where you can be expedited through the security and/or the immigration process. To reserve Mastercard Airport Concierge services visit https://www.mastercard.com/air... or consult your Travel Advisor.
- ID Theft Protection
- ID Theft Protection is provided by General Global Assistance, Inc. More information about this service provider is available at https://mastercardus.idprotect....
CURewards
Interra’s MasterCard® Platinum/Elite card comes with a variety of rewards to meet your needs.
- Earn 1.5 points for every dollar spent.
- Redeem points for 1% cash back, travel, gift cards, merchandise, and more!
- Redeem rewards by calling 866.597.1575 or login to online banking and select your credit card and then Card Controls. Under the picture of the credit card, select Redeem.
As a member, you get the best, because you deserve the best. Apply today!
MasterCard Elite
Interest Rates & Interest Charges
Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers
14.75%, 15.75%, 17.75%, 19.75% or 24.75% depending on your credit history. This APR will vary with the market based on Prime Rate. Not all applicants will qualify.
10,000 introduction reward bonus points after spending $2,000 in purchases within 90 days of account opening4
Earn 1.5 points for every dollar spent
| Interest Rates & Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers | 14.75%, 15.75%, 17.75%, 19.75% or 24.75% depending on your credit history. This APR will vary with the market based on Prime Rate. |
| Introduction and Balance Transfer APR | 0% for first 12 months |
| 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. |
| 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 http://www.consumerfinance.gov/learnmore. |
| Rewards | |
|---|---|
| Introduction Reward Bonus Points | 10,000 bonus points after spending $2,000 in purchases within 90 days of account opening4 |
| Points | 1.5 points for every dollar spent |
| Maximum Reward Accrual | Unlimited |
| Required Minimum Redemption Points | None |
| Fees | |
|---|---|
| Set up and maintenance fee | None |
| Foreign transactions | Up to 1% of each transaction in U.S. dollars. |
| Cash advances | 2% of the amount of each cash advance |
| Balance transfers | 2% of the amount of each transfer |
| Over-the-limit | None |
| Late payment fee | Up to $25.00 if your payment is late 10 days after due date |
| Returned payment | Up to $5.00 if your payment is returned for any reason |
| Card replacement fee | $7.00 |
| Minimum payment | 2% or $25; whichever is greater |
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 3/01/2024. 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.
| Interest Rates & Interest Charges | |
|---|---|
| Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers | 11.75%, 12.75%, 14.75%, 16.75%, or 21.75% depending on your credit history. This APR will vary with the market based on the Prime Rate. |
| Introduction and Balance Transfer APR | 0% for first 12 months |
| 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. |
| 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 http://www.consumerfinance.gov/learnmore. |
| Fees | |
|---|---|
| Set up and maintenance fee | None |
| Foreign transactions | Up to 1% of each transaction in U.S. dollars. |
| Cash advances | 2% of the amount of each cash advance |
| Balance transfers | 2% of the amount of each transfer |
| Over-the-limit | None |
| Late payment fee | Up to $25.00 if your payment is late 10 days after due date |
| Returned payment | Up to $5.00 if your payment is returned for any reason |
| Card replacement fee | $7.00 |
| Minimum Payment | 2% or $25; whichever is greater |
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 3/01/2024. 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.
Credit Card Tips
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
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.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.
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 6/19/2020. 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.
| Phone Number | |
|---|---|
| Customer Service | 800.654.7728 |
| Card Activation | 800.527.7728 |
| Mail Payments | |
|---|---|
| Interra Credit Union | PO Box 727, Goshen, IN 46527-0727 |
| MasterCard | PO Box 71050, Charlotte, NC 28272-1050 |
| Disputes must be submitted in writing | |
|---|---|
| PO Box 3112, Tampa, FL 33631-3112 | |
| Fax | 727.571.4598 |
Can I use a credit card at an ATM?
Yes, with the use of a PIN at any ATM that displays the MasterCard logo. Visit MasterCard Online, call Interra or the number on the back of your card to set a PIN.
Does the Interra MasterCard credit card have an annual fee?
No, the Interra MasterCard does not have an annual fee1.
How will I receive my credit card statement?
You can choose to either receive e-Statements or paper copies by mail.
Will I need to activate my credit card when I receive it?
Yes, and it’s easy by calling 800.527.7728.
Can I travel internationally with my Interra MasterCard credit card?
Yes, but there are a few things you’ll need to be aware of:
- There are some countries where credit card purchases are blocked for your security: Cuba, Iran, Iraq, Liberia, Macedonia, Myanmar (Burma), North Korea, Romania, Sudan, Syrian Arabian Republic, and Zimbabwe.
- Please contact Interra by phone or fill out the Travel Webform before traveling to avoid any unintentional blocks or false fraud alerts.
What if there’s a disputed charge on my Interra credit card?
If there is a charge on your card that you believe you did not make, please contact Interra immediately to deactivate your card to avoid any further fraudulent charges. We will then work with you to submit a dispute. Remember, you are never liable for fraudulent charges!
Visiting CURewards.com for the first time?
First-time visitors to the site must register with the following information
- 16-digit Interra MasterCard card number
- Last 4 digits of the primary cardholder’s Social Security number
- Zip code
- Email address – If you do not have access to an e-mail address, contact Interra
How do I redeem my credit card rewards points?
To receive your 1% cash back or view a full selection of available merchandise, gift cards and travel opportunities, login at curewards.com or access your account through the Credit Card tab in Interra Online Banking.
How do I pay my credit card bill?
There are five ways to pay your bill:
- Through Interra Online Banking at MasterCard Online
- Automatic payments from your checking account
- By calling the number on the back of your card. Be aware that there is a $5.00 fee to pay by phone.
- In person at any Interra office
- By mail to PO Box 71050, Charlotte, NC 28272-1050
How do you calculate my monthly balance?
We will use a method called "average daily balance" (including new purchases). See the Platinum and Classic account agreements for more details.
Can I use this credit card for my personal business?
Good news! Interra has a special Business MasterCard program just for you. Visit the Business Credit Card page to learn more!
How do I complete a balance transfer?
Through online banking is the quickest and easiest way to transfer a balance. Log in here.
1Other fees include: Late payment fee of $25.00; Returned payment of $5; Cash advance fee of 2%; ATM transaction fee of 2%; Balance transfer fee of 2%; Foreign transaction fee of up to 1% of each transaction. 2Annual Percentage Rate. As low as 14.75% APR for Elite MasterCard. As low as 11.75% APR for Standard MasterCard. This APR will vary with the market based on Prime Rate. Approval based on the member’s overall financial profile, including credit history and proof of income, if applicable. Not all borrowers will qualify for the lowest rate. 3Only applicable on travel purchased with your Interra MasterCard.410,000 introduction reward bonus points can be earned by new and approved Interra Elite credit card members. To receive introduction reward bonus points, make $2,000 in purchases within 90 days of account opening. Balance transfers, cash advances, fees, interest and items returned for credit do not qualify as an eligible purchase. Introduction reward bonus points will typically appear as a bonus on your Elite credit card account and may take up to 2 billing cycles after you have met the purchase requirement. Available reward points will expire after 48 months. To redeem points, visit http://www.curewards.com/.
Full Agreement and Disclosure for Standard and Elite MasterCards
