Visa Credit Cards

IECU makes choosing a credit card easy. Other financial institutions trick you with hidden fees, miles of fine print, variable rates and just too many options to choose from! Luckily for you, IECU looks at credit cards differently by offering:

  • Fixed APR* that will never go up if you miss a payment
  • NO annual fees
  • NO balance transfer fees
  • NO transaction fees
  • NO minimum balance finance charge
  • 10-day grace period on purchases
  • Flexible credit limits to fit your lifestyle
  • Rates as low as 12.9% APR*
  • 24/7 access with up-to-the-minute transaction and payment history, pending activity and custom email alerts
  • EMV chips for additional payment security

Don’t be fooled by introductory rate credit cards whose low rates only apply for a few months before skyrocketing or only apply towards certain purchases. Choose the only card that’s as flexible as your lifestyle while building your credit history all at the same time: the IECU Visa Credit Card!


Apply for an IECU Visa today and start saving tomorrow! The process couldn’t be easier.  Apply online and we’ll take care of the rest! Upon receipt, an IECU Loan Officer will contact you as soon as possible to discuss your options!

*APR=Annual Percentage Rate. All rates subject to change without notice. Rates, terms and conditions vary based on qualifications and collateral. All loans are subject to approval and eligibility and must fall within IECU Lending Guidelines. See an IECU Representative for more information.

IECU Visa Disclosure


If you’ve had issues getting approved for a credit card in the past, a Restart Credit Card is for you. We are here to help, no matter your current financial situation, and are able to do so with interest rates much lower than those offers from predatory lenders.  We know that mistakes happen and are happy to help get you back on track in any way we can without judgement.

Everybody gets their start somewhere, so let IECU be the place you get yours! If you’ve never had a credit card before, an IECU Start Credit Card is the product for you! Simply pay your balance on time and watch your credit start to build!


  • Maximum loan amount of $15,000 vehicle loans and $750 Visa credit limit
  • No Federal or State tax liens or back due child or spousal support
  • At least 12 months of consecutive full time employment
  • Any open collections or civil judgement must be approved by a member of Executive Management.
  • All bankruptcies must be discharged a minimum of 3 months.
  • All other underwriting guidelines apply.

Other restrictions apply. Please see an IECU Loan Officer for more details. To open a Start or Restart Loan,  an individual must meet the standard IECU membership eligibility requirements. A Member Services Representative can discuss these with you, or view a detailed list on our Membership page.


“I know I put in in the same place as before.” “It’s ALWAYS in my wallet.” That dreaded moment when you realize your card isn’t where you thought it was…Luckily IECU knows that this happens all too frequently. That’s why we already have a plan in place- it’s just another way we anticipate your needs!

Before you panic, simply give us a call at 800-697-7728 and we’ll get another card out to you. Even if we’re closed, give us a call at 800-697-7728 and press 1 for Lost Debit Card or press 2 for Lost Credit Card. We’ll have your replacement card to you as quickly as possible and in the meantime, we can set you up with a Visa gift card with funds from your account or withdrawal the cash you’ll need.


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