Membership in the ISPFCU is open to current employees of federal, state, county or municipal law enforcement agencies who provide services to the public in Illinois. Retirees from one of these agencies are also eligible for membership. Compare this with other credit union credit card offers now!
Credit Union employees may become members, as well as a surviving spouse or family member of a person eligible for membership.
ISPFCU Credit Card Features
As an excellent credit credit card, the ISPFCU Visa Platinum credit card is available to applicants with high credit ratings only. No annual fees are charged to account holders. The interest-free grace period on purchases is 25 days. If a customer goes over his or her limit, a $25 fee is charged on the account.
There is no introductory Annual Percentage Rate (APR) offered to customers. The regular interest rate offered to customers is a very low 6.15% per year.
Cash advance credit card rewards are available, with this card. The rate of interest charged on this type of transaction is 9.15%. A 3% cash advance fee is charged, and the minimum amount is $5. For foreign transactions, a fee of 1% is charged.
No online access to the account is offered to customers who choose the ISPFCU credit card.
ISPFCU Credit Card Benefits
Customers who choose this card can qualify for optional cash back credit card rewards of up to 1% on their eligible purchases.
ISPFCU Credit Card Offers Low Interest Rates
Law enforcement personnel and their families who have excellent credit can benefit from opening an ISPFCU credit card account. This option offers low APRs to cardholders, who benefit from having a basic card they can use for everyday purchases.
If an individual is content to have a card that does not offer travel credit card or merchandise points and other “extras” that are offered by many credit card companies, this is an excellent choice. The low APR is a very attractive feature and more than makes up for the lack of online access and other frills that are available elsewhere.
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