Credit Cards

Support

 

To report a lost or stolen credit card or VISA® Check Card
during business hours call: (515) 334-8133. After business hours call: (800) 257-2743.

When calling after-hours, please follow-up with a call to Community Choice Credit Union the next business day to verify the block.

Be sure to write down your credit card numbers and keep them in a secure, safe place so that you have them in the event that your cards are lost or stolen outside of business hours. Remember: Do not write your PIN numbers on your cards.

Dare to compare your credit cards versus Community Choice Credit Union's.  You now can receive 1% cash back on your Community Choice Visa and MasterCard credit cards.  In addition to this great reward, we have very low credit card rates.  Click here to APPLY TODAY!

NEW Rewards Program

Every time you use the card, you'll earn 1% cash back on net purchases posted during the cycle quarter.  (purchases minus any credits or returns).  Minimum amount of purchases to qualify in a cycle quarter * is $3,000.00. Purchase calculation is reset to zero each cycle quarter.  The following items will not earn reward: cash advances, transferred balances, any checks used to access your account, finance charges, fees of any kind, service charges, unauthorized charges and ATM transactions. Cycle quarter is determined by the billing date over a three month period.The reward is posted as a credit to your balance quarterly.   To receive your reward credit, your account must be open and in good standing, which means it isn't past due, fraudulent, restricted, part of a consumer credit counseling program or in a bankruptcy settlement.  Accounts closed prior to cycle quarter will forfeit rewards payout.Community Choice has the Card and Terms You Need.
CCCU offers Visa®, MasterCard® and Visa® Platinum Credit Cards with a low variable annual percentage rate and no annual fee. With worldwide recognition and acceptance of these cards, you can use your CCCU credit card at over seven million locations around the world.

Have you looked at what your adjustable rate credit card is charging you for interest? If you already have a credit card from another financial institution, you're probably paying too much. We can help you reduce those higher interest charges right away. When you apply for a CCCU credit card, just request a transfer of the outstanding balance from your previous card issuer.

Unlike most financial institutions, we issue our own cards and can give you an immediate answer when calling about credit limits, lost or stolen cards, or even a disputed item or transaction. You can also find out your current balance or make a credit card payment by using the Touch-Tone Teller.


The possibilities are endless with your Community Choice Credit Union Visa or MasterCard. You'll have unbeatable purchasing power day or night, because your CCCU Visa or MasterCard is accepted virtually everywhere to pay for almost anything. Shop over the Internet or by phone, either way, with your Visa or MasterCard you can go anywhere! You can also get cash instantly worldwide. You are eligible to receive $250,000 travel insurance free. This insurance coverage is automatically in effect for you and your family members when you use your CCCU Visa or MasterCard to charge tickets on any common carrier.

Apply online, fax, or mail the Visa/MasterCard credit card application along with proof of income (e.g., paycheck stub). Fax: (515) 334-8150, available 24 hours a day. Mailing address: CCCU, Attn: Credit Card Dept., P.O. Box 1405, Johnston, IA 50131-1405
Get the financial recognition you deserve. With CCCU's Visa Platinum Card, you get instant worldwide recognition, respect, and acceptance. Visa Platinum is welcome at over 12 million merchant locations in 205 countries. If you ever need emergency card replacement or emergency cash, help is just a phone call away. Simply dial the Visa Assistance Center at (800) Visa-911. Here are some of the other great benefits you will receive with your Visa Platinum Card:

  • Travel Accident Insurance-$400,000 travel insurance whenever you use your card to purchase land, sea, or air travel tickets
  • Auto Rental Insurance-lets you save money by declining the collision damage waiver when you rent a car
  • Emergency Assistance Services
  • Travel Assistance Services

To qualify for a Visa Platinum Card, the salary requirement is $25,000 per year.

For your convenience, you may apply online for your Visa Platinum credit card or you may fax or mail the Visa Platinum credit card application along with proof of income (e.g., paycheck stub). Fax: (515) 334-8150, available 24 hours a day. Mailing address: CCCU, Attn: Credit Card Dept., P.O. Box 1405, Johnston, IA 50131-1405.



Apply for a CCCU credit card today!

Visa® and MasterCard® Variable Rate Information (CURRENT RATE 10.75% APR as of 01/1/12) – Your Annual Percentage Rate may vary quarterly, and will be determined according to an index. The index is the highest prime rate charged by banks as published in the Money Rates Column in the Wall Street Journal as of the last business day of each quarter. Quarter is defined as a calendar quarter beginning January 1, April 1, July 1 and October 1. Your Annual Percentage Rate is equal to the index plus 7.50%.An increase in the index will result in an increase in your Annual Percentage Rate. Any increase or decrease in the Annual Percentage Rate will take effect on the first day of the following months billing cycle. These rates will be rounded up to the next 0.25%. The maximum rate will be 18%. Transaction fees for cash advance transactions - 3% of the amount advanced but not less then $5.00


Visa® Platinum Variable Rate Information (CURRENT RATE 8.75% APR as of 01/1/12) – Your Annual Percentage Rate may vary quarterly, and will be determined according to an index. The index is the highest prime rate charged by banks as published in the Money Rates Column in the Wall Street Journal as of the last business day of each quarter. Quarter is defined as a calendar quarter beginning January 1, April 1, July 1 and October 1. Your Annual Percentage Rate is equal to the index plus 5.50%. An increase in the index will result in an increase in your Annual Percentage Rate. Any increase or decrease in the Annual Percentage Rate will take effect on the first day of the following months billing cycle. These rates will be rounded up to the next 0.25%. The maximum rate will be 18%.Transaction fees for cash advance transactions -3% of the amount advanced but not less then $5.00 Transaction fees for cash advance transactions -3% of the amount advanced but not less then $5.00 Transaction fees for cash advance transactions - 3% of the amount advanced but not less then $5.00