Credit Cards

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Credit Cards

Empowering members to achieve their financial goals!

Apply Today

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
  • Great Rewards
  • Local, Personalized Service
  • Mobile Wallet Compatibility

Important Numbers

Lost/ Stolen Card: 1-800-449-7728

Rewards: 1-800-637-7728

CU Rewards

You can earn points by using your IRFCU Visa Credit Card,
These points are redeemable for merchandise and even travel! Electronics, houseware, sporting goods, and more!
Visit our rewards site to redeem your points!

Visit CU Rewards!

Apply Today

You can apply online or at your nearest branch!

Apply Here

Loan Rates - Effective Friday, April 26, 2024
Loan TypeRates as low asTerms & Information
VISA CLASSIC APPLICATION » 12.9% 42 M Apply Online!
VISA PLATINUM APPLICATION » 9.5% 24 M Apply Online!

5.99% APR*

Credit Builder Card

Are you looking to build your Credit Score? We offer a Credit Builder Credit Card. The cardholder will receive a 5.99% rate for 6 months from the opening date, after which it will transition to our 12.90% rate.

5.99% Annual Percentage Rate (APR) applies on purchase transactions for 6 months after the opening date. Credit line up to $1000.00. New accounts only. For all other transactions including balance transfers, ATM and cash advances and for any promotional balance remaining unpaid after your 6 month date, an APR of 12.90% applies. New members must meet membership eligibility and credit card applications subject to approval. Terms and conditions subject to change without notice. Contact us for details.

TO TRANSFER AN EXISTING BALANCE, SIMPLY:

Call

Call us at 570-888-7121 for assistance

Log- In

Log in to our Visa portal!

Portal

Visit

Speak with one of our helpful staff!

Important information regarding this offer
1. APR= Annual Percentage Rate. Balance transfer and convenience checks processed by April 30, 2022, up to your available credit limit, will receive the stated promotional APR through your April 2023 statement cycle. Balance transfers and convenience checks processed after your April 30, 2022, will receive the standard APR for cash advances. When transferring a balance, you should continue to make your monthly payments to each creditor until you receive a statement from the issuer/ merchant reflecting the balance transfer payment. All existing payment terms apply. Rates are subject to change. 

Federally insured by NCUA

APR Annual Percentage Rate 12.90% for Visa Classic cardholders and 9.50% for Visa 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.