Personal Loans and Credit Cards
There are times when you need a loan for personal reasons. You may need extra cash to purchase furniture, pay for auto repairs or medical expenses, or pay for unexpected expenses that life throws your way. Whatever your personal reason, Premier Credit Union can help.
- Unsecured Personal Loans have no collateral behind the loan. The loan is based solely on your agreement to pay.
- Overdraft Protection Line of Credit puts peace-of-mind behind your Premier Credit Union checking account.
- Secured Share Loans allow you to borrow against your savings and investment accounts on deposit with Premier Credit Union. This is a great way to build credit for young borrowers who have little or no credit history or for people trying to rebuild their credit history.
- MasterCard® Credit Cards
- Classic, Gold or Platinum MasterCard Programs
- NO annual fee
- NO over limit fee
- NO balance transfer fee
- 25-day grace period on all purchases
- Online Credit Card Account Access - View your Premier Credit Union credit card statement, activity since your last statement, make payments and more online with MyCardInfo. It's free.
- Make your Premier Credit Union MasterCard payment directly from your checking or savings account while logged into Online Banking.
- Worldwide acceptance at more than 14 million merchants
- Instant cash access at ATMs and financial institutions worldwide
- Free online security and fraud alert protection
1.00% Cash Back Rewards on Gold MasterCard
Premier Credit Union's Gold MasterCard features a 1% Cash Back Reward for every dollar in purchases. Unlike many reward cards which don't start accumulating rewards until you meet a certain threshold, our Gold MasterCard Rewards begin with your first purchase and accumulate through the November billing cycle, at which time your rewards are then credited to your Gold Card account.
- Enjoy a fixed rate of 10.99%APR*
- 1% Cash Back Rewards are credited annually in November
*Annual Percentage Rate. 10.99% non-variable rate from date of transaction. Cash Rewards are credited annually on members November credit card statement, and are based on purchases made, minus returns. Dollars will be rounded to the nearest whole dollar amount. Membership eligibility requirements apply. Credit cards offered with approved credit. Some restrictions apply. Please see the credit union for full details and disclosures of the program.
Apply for a MasterCard credit card Request a Balance Transfer
Request a Credit Limit Increase
View all Lending Rates
Insurance Services
Credit Card Agreement
Disputing a Credit Card Charge
Prior to filing a Credit or Debit Card dispute with Premier Credit Union, you will want to first contact the merchant and attempt to resolve the transaction dispute with them directly. If no resolution can be made with the merchant, you will then want to file a written dispute with MasterCard ® by submitting an email to the credit union with the information listed below. If you have any questions regarding this process, contact the Credit Union at 515-282-1611 and ask to speak with Shirley.
Cardholder's Name:
Cardholder Address:
Member Number:
Telephone Daytime:
Telephone Evening:
Card Number:
Transaction Amount
Purchase Date:
Merchant Name:
Transaction Date:
Dollar Amount:
What efforts have been made in attempt to resolve dispute:
Explanation of why charge is being disputed:
Recent Identity Theft Scams
Preferred Customer Promotion Scam - 03/06/09
Premier Credit Union has been notified that some cardholders have been receiving telephone calls from fraudsters portraying themselves as calling from Visa or MasterCard. The fraudster says the potential victim is eligible for a $50 gift card because they are a preferred Visa/MasterCard customer. They then state that they need to verify the customer's card information in order to process the gift card.
Premier Credit Union would like to remind you never to give out your account number, expiration date, CVV2/CVC2, or any other personal information to anyone who initiates a call to you. If you suspect that you are a victim of this scam please contact card services immediately at (800) 234-5354 to report your card number as stolen.
Card Activation Scam
Premier Credit Union has been notified that some cardholders have been receiving telephone calls from fraudsters portraying themselves as calling from Visa or MasterCard. Fraudsters state that they are calling to verify the receipt of the member's newly issued Credit or Debit card. The Fraudsters then offer to save the member time by activating the card for them.
Premier Credit Union and Card Services do not call members to activate newly issue cards. To activate a newly issued Debit or Credit card members are instructed call to the number listed on the sticker on the front of their newly issued card.
If you feel that you may be a victim of the above mentioned scam please contact Card Services immediately at 1-800-234-5354 to report your card number as stolen.
Text Message Scam Alert!
A new scam fraudsters are using to obtain personal financial information could be coming to a cell phone near you. Beware of text message scams!
This new scam involves unsolicited text messages sent to cell phones. The message urges the recipient to call a provided number for information about account discrepancies. Once the recipient calls the given number their personal account information and pin numbers are then solicited.
Cell phone users should be wary of unsolicited text messages. Such messages should be deleted and all deleted text messages should be removed, if possible, as the perpetrators have been known to use Spyware in conjunction with their text message solicitations.
Premier Credit Union will NEVER contact you by phone, e-mail or text message to ask you personal account information. If you receive requests to contact Premier Credit Union, be sure to use our main phone number 515-282-1611 or toll-free, 1-866-273-9338. Never use a number provided in an e-mail or text message. If you think you may have been a victim of a cell phone scam and that your Premier Credit Union account information may have been compromised, contact us immediately at 515-282-1611 or toll-free, 1-866-273-9338.
Card Reactivation Scam - Fraudulent Calls to Cardholders
It has been brought to our attention that a number of area credit union cardholders have recently become the target of vishing attacks.
These attacks consist of an automated telephone call in which a prerecorded voice advises the recipient that the call is being made on behalf of SHAZAM and that the cardholder must "reactivate" their card by entering information immediately. These calls should be considered fraudulent and have not been authorized by SHAZAM.
Premier Credit Union would like to remind you never to give out your account number, expiration date, CVV2/CVC2, or any other personal information to anyone who initiates a call to you. If you suspect that you are a victim of vishing please contact card services immediately at (800) 234-5354.
