Credit Cards

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Empowering members to achieve their financial goals!

At IRFCU, we understand that every member has unique financial needs and aspirations. That’s why we offer credit card options designed to suit various lifestyles. Whether you’re looking for rewards, low interest rates, or a card to build or rebuild credit, we have solutions that could work for you!

Explore The Benefits

IRFCU not only offers great low credit card rate, but also excellent tools and benefits to enhance the member experience.

  • Online Account Management
  • Security and Protection
  • Local, Personalized Service
  • Mobile Wallet Compatibility

Important Numbers

Lost/ Stolen Card: 888-241-2510

Tap-To-Pay

With your IRFCU credit card, checkout is faster, safer, and more convenient than ever. Simply tap your card at any contactless terminal—no swiping, no inserting, no fumbling. Enjoy the same security you trust with added speed and ease.

You can apply online or at your nearest branch!

Loan Rates - Effective Friday, October 17, 2025
Loan TypeRates as low asTerms & Information
VISA CLASSIC APPLICATION » 12.9% 42 M Apply Online!
VISA PLATINUM APPLICATION » 9.5% 24 M Apply Online!


How to Make Credit Card Payments with External Accounts:

Exciting News!



TO TRANSFER AN EXISTING BALANCE, SIMPLY:

Call

Call us at 570-888-7121 for assistance

Log- In

View your accounts in our app!


Visit

Speak with one of our helpful staff!



Federally insured by NCUA

APR Annual Percentage Rate 12.90% for Mastercard Classic cardholders and 9.50% for Mastercard Platinum cardholders. Membership required. New cardholders must meet membership eligibility.  Credit cards subject to approval. Terms and conditions subject to change without notice.  Contact us for details.


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