ICEFCU EMV Mastercard

Click here to applyMastercard

The credit union offers one simple credit card package with great terms!
Your rate will never be increased because of a late payment, or any other usage issue!
Plus, you earn valuable points with with our CURewards program!

Access your ICEFCU Mastercard on line: 
Review your account activity; make/schedule a payment;
open inquiries online; activate your card; order replacement plastics;
order your existing PIN; update your address/phone information;
order statement copies or convert to E Statements!
Just click the link below, agree to leave this site & set up your passwords to access your Mastercard account on no charge!  
Plus, now you can pay off other higher rate credit cards by transferring those balances to your icefcu Mastercard!

Access your ICEFCU Mastercard here

Just want to check your cu rewards points? Click here: CU Rewards 

To see the many coverages we provide on your CU Gold Mastercard, click here:

Master Disclosure for Travel Insurance Provisions Provided by ICEFCU

Mastercard Description of Coverages


Mastercard Fair Credit and Charge Card Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
APR for Balance Transfers 9.90%
APR for Cash Advances 9.90%
Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases 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.
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
Transaction Fees
- Foreign Transaction Fee
1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payement Fee
- Returned Payment Fee

Up to $20.00 if you are five or more days late in making a payment
Up to $25.00

 Mastercard Consumer Credit Card Agreement 


Returned Convience Check Fee $25.00 or the amount of the required minimum payment, whichever is less.
Replacement Card     Rush Fee (Overnight) $29.00
Card Replacement Fee $5.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Protect your finance charge rebate on your other loans with icefcu:  Members who are 2 months delinquent on their icefcu Mastercard will not receive a finance charge rebate on any of their loans with icefcu.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Please make your Mastercard payment on line vs. phone request with customer service! You can make a payment from your savings or checking account with any financial institution.  If making a payment from another financial institution (vs icefcu) choose one time payment.   

Effective Date: The information about the costs of the card described in this application is accurate as of October 1, 2015.This information may have changed after that date. To find out what may have changed, contact the Credit Union.  

Toll-Free Cardholder Services:  866-820-6974
Report Lost/stolen card:  800-449-7728 or access your account online above.
Mastercard Assist:  1-800-Mastercard or

©Copyright 2015 Irving City Employee Federal Credit Union is not liable for content or availability of linked sites. Privacy Policy | Disclosures | Contact Us | Home