Credit Card

Low interest rate.
FREE balance transfers.
No annual fee. No catch.

TelComm Rewards Credit

Do you like rewards? Then the TelComm Rewards Credit Card is the one for you! Points may be combined from TCU Debit and TelComm Rewards purchases for maximum earning power.

View Card Rewards

Register your TCU Credit Card on uChoose and enjoy rewards!

Smart Rate Credit

Why not have a fixed rate credit card from the credit union you trust? TelComm’s Smart Rate MasterCard Credit Card offers low rates and is accepted everywhere you see the MasterCard logo.

Secured Credit Cards

Secured Credit Cards are also available for those wishing to build credit or rebuild bruised credit. Our Secured MasterCard Credit Card has limits ranging from $300–$2,500. Please contact any TCU location for details!

Check with your TelComm CU representative for details or apply online for your TelComm Credit Union MasterCard credit card, and enjoy the following benefits:

Type of Credit Card	Benefits of This Card	Rate on This Card	Other
Rewards Credit Card	Earn points on registered cards which may be redeemed for cash, gift cards, merchandise, travel needs and more	Variable	Points may be combined with TCU Debit Card and other TCU Rewards Card (ex. Husband/wife may combine points) Variable Rate
Smart Rate Credit Card	Fixed rate	As low as 10.90%	Helps you pay off debt quicker with a consistent rate
Secured Credit Card	Helps establish credit for those with no credit or assist in beginning to repair bruised credit	As low as 14.90%	Amounts available from $300-$2500. The credit line amount plus an additional 10% will be frozen and “secure” the card. Ex. $300 card will have $330 frozen and held in savings. $1000 card will have $1100 frozen and held in savings

NO application fee
FREE balance transfer to a TCU MasterCard Credit Card
Automatic payment of your monthly bill from your TCU account is available

NO annual fee
25-day grace period on repayment of purchases
Credit Life and Disability Insurance is available for your protection

NO cash advance fee
EMV chip enabled for added security
Since various merchants require PIN (Personal Identification Number), TelComm CU strongly encourages members to create a PIN for both your Debit and Credit Cards. This is the best way for everyone to be adequately prepared.

Apply Now

Complete transaction history may be viewed through the TCU Virtual Branch or TelComm Mobile App by logging into your personal account and then clicking on the Credit Card heading. Log in here.

In case of Emergency, contact MasterCard at 1.800.627.8372

Instant Issue Credit Cards

Get your card instantly when you’re approved for a Smart Rate, Rewards, or Secured Credit Card.

Cards are printed at our Sunshine location Monday through Friday. Once your Credit Card application is approved, your card will be available immediately at our Sunshine location.

Card Fraud Protection Phone Numbers

Number you will see on your Caller ID if called by the automated fraud protection line: 877-253-8964

Toll Free callback number if you’re in the USA: 800-262-2024

TelComm offers FREE card fraud monitoring, this allows members to receive text message alerts when suspicious activity is flagged on their debit or credit cards. Members will be notified when a transaction is marked as suspicious and be able to lock or unlock their accounts with a single text. For this additional service, PLEASE MAKE SURE WE HAVE YOUR CURRENT CELL PHONE NUMBERS ON YOUR TELCOMM ACCOUNT.

What You Need to Know About Fraud Text Alerts:

Text alerts are sent upon notice of flagged suspicious activity of the card holder’s account. Alerts are sent during the local time of 8am–9pm based on the cell phone number area code on the account.
Once a text alert has been sent through the system and there is no response to the text alert within 15 minutes, the system will move on to calling each number listed on file to alert by phone.
You do not need to respond to an enrollment text in order to begin receiving alerts, you are automatically enrolled to enhance account security.
You can opt out at any time. Text “STOP” when you receive a fraud text alert.
Responding by texting “HELP” will help you get in touch with a Fiserv Call Center associate.

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