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VISA CREDIT CARDS

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Top 4 Reasons an IHMVCU Visa Credit Card is a Smart Move

01

No annual fee

Enough said.

02

Local Servicing

Have questions? We have answers. Receive local servicing and support from people who know you.

03

Fraud Protection

Have unusual purchases showing up? You'll likely hear about it from us first. And, with local fraud experts we'll take care of the red tape too.

04

Convenient Online Access

Track your credit card expenses through the same tool you use to manage your deposit accounts. Easily make payments, monitor activity and much more from your computer or smart phone.

Compare our cards and see which one is right for you.

  Smart Bright Brilliant Genius*
 

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What is it? Great for building - or rebuilding - your credit, this card has no surprises. You've got this credit thing down. You're using your head, paying bills on time and doing things right. You're bright – just like the BRIGHT card, which rewards you with a great rate and benefits. You're a shining example of smart credit management. BRILLIANT gives you more for your credit card – and cash back. You're so credit-smart, you might as well have a PhD. We value your relationship and we're going to show you – with some of the lowest interest rates available today.
APR 19.9% 11.9% 11.9% or 9.9% 7.9%
Annual fee $0 $0 $0 $0
Balance transfer and
cash advance fee
$5 or 2% of the amount of the transaction, whichever is greater $5 or 2% of the amount of the transaction, whichever is greater $5 or 2% of the amount of the transaction, whichever is greater $5 or 2% of the amount of the transaction, whichever is greater
Merchandise/travel No No No No
Cash rebate No No Yes**
Earn up to 1% annually
No
Additional card features† Auto Rental Collision Damage
Travel Accident Insurance
Verified by Visa



Auto Rental Collision Damage
Travel Accident Insurance
Travel Emergency Assistance
Warranty Manager Service
Verified by Visa

Auto Rental Collision Damage
Travel Accident Insurance
Travel Emergency Assistance
Warranty Manager Service
Verified by Visa

Auto Rental Collision Damage
Travel Accident Insurance
Travel Emergency Assistance
Warranty Manager Service
Purchase Security
Concierge Service
Verified by Visa
24 hour lost/stolen reporting service Yes Yes Yes Yes


View Visa® Rate Disclosure

Cardholder Agreement
Disclaimer

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Questions?
Call us at:
(309) 793-6200 or
(800) 722-0333