(641) 424 2281

Credit Card

Our MasterCard… The reasons are clear.

No annual fee. You don’t have to pay for the privilege of carrying our card.

No high interest rates. Since 2003, our interest rate has stayed at a low 10.99% APR, while millions of Americans are paying more than 19%.

25-day interest-free grace period on purchases . If you prefer not to pay interest, you can pay the entire balance in full by the payment due date and incur no finance charge.

Pay your MasterCard Payment on-line . Now you can pay your MasterCard payment on line at www.online.mycardinfo.com . You can have the funds pulled directly from your share draft account or you can set up a monthly automatic transfer from your account. Visit www.online.mycardinfo.com for more information.

The security and privacy of your payments are important. Protect your cards with your own personal password so only you can purchase with them online. It is easy, safe and free of charge.

Apply Online or Contact our office for more information on obtaining an NICCU MasterCard.

Lost/stolen debit cards

If your card is lost or stolen you may call (800) 472-3272 (after hours number) or our office (641) 424-2281.

Fraud Protection

Our system monitors every transaction done on your card. If anything out of the ordinary occurs, or if the transactions match established fraud patterns that have been reported to MasterCard, our fraud division will try to contact you. We want to make sure every transaction on your account is legitimate, and stop any potential fraud immediately. In order to keep your account safe, we have a response center open 24 hours a day, 7 days a week. If our fraud monitoring service contacts you to verify suspicious transactions, their valid callback number is (866) 750-9107 or (800) 262-2024. Please be advised that our representatives will never ask you for your PIN number, or your full card number. If you have any questions about the validity of a call, please contact our office directly at (641) 424-2281.

Credit Card or Debit Card

Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to “pay later,” a debit card is a way to “pay now.” When you use a debit card, your money is quickly deducted from your checking account. A credit card will require you to pay back the money you owe and may include interest if not paid off by due date.

Credit and debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, and restaurants. You can use either card anywhere merchants display your card’s brand name or logo. (For example, Mastercard.) They offer an alternative to carrying a checkbook or cash.

Credit cards are limited by the amount of credit you are approved for and the amount of credit you have available (amount approved minus the amount already spent). Debit cards are limited by the amount of money you have in your checking account.

A credit card is also one way to help establish credit as you are essentially borrowing the money each month until you pay it back. Be careful and make a plan for yourself on how you are going to pay it back before you charge.

Mastercard Credit Card Online Banking – MY CARD INFO

MyCardInfo allows cardholders to obtain their credit card information via the internet. Benefits to the cardholder include access to real-time account information. A cardholder can:

  • Enroll immediately
  • View account information
  • View real time account balance and statement information Download statements to Personal Financial Management software
  • Activate card
  • Statements/Payment History
  • Set up Security Alerts
  • And More!

Click HERE to take you to Mastercard My Card Info website.

You are now leaving North Iowa Community Credit Union

North Iowa Community Credit Union provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by North Iowa Community Credit Union, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL