Reap the REWARDS of your IBM Southeast EFCU VISA Credit Card:

• Rates as low as 7.90% APR*
• Credit limits up to $50,000
• No Annual Fee
• No Cash Advance or Balance Transfer Fees
• Unlike many other credit card companies we will not default to a higher rate if your payment is a few days late

• Platinum - Credit Limits up to $50,000
• Classic - Credit Limits from $500-$10,000

         How to choose a credit card
         Compare VISA cards at a glance

It's easy to apply for your VISA Credit Card:

• Online - In order to apply online, you will need to log on to Online Banking. Once logged on, click on the 'Loans' icon and follow the instructions. You must be a current Credit Union Member in order to use the Online Banking system. You can also download our Master Loan Application using Adobe Acrobat.
• In the Branch - Stop by or contact us at 800.873.5100 or 561.982.4700 or visa@ibmsecu.org.
• Over the Phone - Call LoanLine 24 at 877.354.LOAN (5626),
  24 Hours a day.

Ask us about setting up automatic payments through your Credit Union checking or savings account!



Protect your VISA Credit Card with Verified by VISA:
Create your own personal password to ensure that only you can use your VISA Credit Card online. Then, shop online with confidence. Sign up today!

Activate a VISA Classic/Platinum Credit Card?
To activate your VISA Classic/Platinum Credit Card please contact us 24/7 at 800.873.5100 or 561.982.4700 for assistance.

Lost or stolen card?
To report your VISA Credit Card, VISA Check Card or ATM Card lost or stolen, please contact us 24/7 at 800.873.5100 or 561.982.4700 for assistance.

For any other questions or disputes about your VISA Credit Card, VISA Check Card or ATM Card, please call 800.873.5100 or 561.982.4700 between 8:30 a.m. and 5:00 p.m. Monday through Friday. Send your disputes by fax to 561.982.7717 or via e-mail to visa@ibmsecu.org.

For more information, please refer to VISA Credit Card Account Agreement
Loan Fee Schedule
Learn more about the VISA Zero Liability Policy

*APR = Annual Percentage Rate. Actual loan rate will be based upon the borrower'(s) creditworthiness. Credit subject to approval and income verification. Certain conditions may apply.