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VISA Platinum • VISA Classic
Home Equity ADVANTAGE VISA Gold
VISA Card Services
ICCU's VISA program is now "in-house." Here's what that means to you:
- You can make VISA payments that are posted IMMEDIATELY to your account,
- Get 24/7 access to your VISA information from any PC, including an
up-to-the-second account balance through "ItsME247." (See below for details).
Statements: Both your ICCU statement and monthly VISA statement are now combined into one mailing...to save postage and extra mail.
Reduce Your Mail: Sign-up for (free) ICCU e-statements. You will receive an
e-mail on the first of each month, noting that your "statement is ready to view."
Check Your Account 24/7: To view your ICCU VISA account transactions, click on the (free) "ItsMe247" online account access (logo on the left) to sign up. It's free, secure and easy to use!
Credit Card Payoff Calculator
VISA: Classic or Platinum
 Don’t get "hooked’ by introductory rate credit cards whose good rate only applies for a few months or only to purchases. Go with a sure thing!
With lines up credit up to $20,000 you get great purchasing power with an ICCU VISA!
Affordable • Convenient • Local
Request an Application • Credit Card Payoff Calculator
VISA Platinum Disclosure • VISA Classic Disclosure
Home Equity ADVANTAGE VISA Gold
All of the convenience of a credit card. All the advantages of a home equity loan.
 With a Home Equity ADVANTAGE VISA Gold from your credit union, you can have all the purchasing power you need right in your wallet! Just take a look at the benefits:
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- Lines of Credit up to $100,000
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- Variable Rate at Prime + 0.00%
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- Tax deductible for most borrowers*
Whether you need to consolidate higher rate bills, buy a car or other major purchase, or put your kids through college ... the Home Equity ADNTANTAGE VISA Gold is a great option. Contact ICCU's mortgage department for details.
*Consult your tax advisor.
Request an Application • Credit Card Payoff Calculator
ICCU VISA Platinum ($5,000-$20,000) 
| Annual Percentage Rate (APR) for Purchases |
8.9% (1) |
| Annual Percentage Rate (APR) for Balance Transfers |
11.5% (1) |
| Other Annual Percentage Rates (APR) |
Cash Advance APR: 11.50% (2)
Penalty Rate APR: 15.90%
If your balance becomes 60 days delinquent, the interest rate will change to 15.9%. |
| Annual Membership Fee |
None |
| Late-Payment Fee |
$15.00 (3) |
| Over the Limit Fee |
None |
| Cash Advance Fee |
None |
| Balance Transfer Fee |
None |
| Grace Period for Repayment of Balances for Purchases |
25 Days (5) |
| Method of Computing the Balances for Purchases |
Average Daily Balance Including New Purchases |
(1) Your Annual Percentage Rate (APR) is Fixed.
(2) The APR for Cash Advances for Credit Cards is Fixed
(3) Late Charge: If the minimum required payment is not received within 15 days after the closing date subsequent to the payment due date, a flat fee of $15.00 will be imposed.
(4) Overlimit Fee: This fee is applied when a balance is 10% or more over the limit.
(5) A finance charge will be imposed on Credit Purchases only if you elect not to pay
the entire new balance shown on your monthly statement for the previous billing cycle within 25 days form the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balance during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days of the closing date of that statement, no finance charge will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles. |
ICCU VISA Classic ($300-$5,000)
| Annual Percentage Rate (APR) for Purchases |
11.5% (1) |
| Annual Percentage Rate (APR) for Balance Transfers |
11.5% (1) |
| Other Annual Percentage Rates (APR) |
Cash Advance APR: 11.50% (2)
Penalty Rate APR: 15.90%
If your balance becomes 60 days delinquent, the interest rate will change to 15.9%. |
| Annual Membership Fee |
None |
| Late-Payment Fee: |
$15.00 (3) |
| Over the Limit Fee |
None |
| Cash Advance Fee |
None |
| Balance Transfer Fee |
None |
| Grace Period for Repayment of Balances for Purchases |
25 Days (5) |
| Method of Computing the Balances for Purchases |
Average Daily Balance Including New Purchases |
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(1) Your Annual Percentage Rate (APR) is Fixed.
(2) The APR for Cash Advances for Credit Cards is Fixed
(3) Late Charge: If the minimum required payment is not received within 15 days after the closing date subsequent to the payment due date, a flat fee of $15.00 will be imposed.
(4) Overlimit Fee: This fee is applied when a balance is 10% or more over the limit.
(5) A finance charge will be imposed on Credit Purchases only if you elect not to pay
the entire new balance shown on your monthly statement for the previous billing cycle within 25 days form the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balance during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days of the closing date of that statement, no finance charge will be imposed during the current billing cycle for Cash Advances posted to your account during previous billing cycles. |
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Isabella Community Credit Union
2100 East Remus Road
P.O. Box 427
Mount Pleasant, Michigan
48804-0427
989.773.5927
Fax: 989.773.6469
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