The credit union offers one simple credit card package with great terms! Your rate will never be increased because of a late payment, or any other usage issue! Plus, you earn valuable points with with our CURewards program!

Access your ICEFCU Mastercard on line:

  • Review your account activity
  • Make/schedule a payment
  • Open inquiries online
  • Activate your card
  • Order replacement plastics
  • Order your existing PIN
  • Update your address/phone information
  • Order statement copies or convert to E Statements!

Just click the link below, agree to leave this site & set up your passwords to access your Mastercard account online………… no charge! Plus, now you can pay off other higher rate credit cards by transferring those balances to your ICEFCU Mastercard!

To see the many coverages we provide on your CU Mastercard, click here:

Master Disclosure for Travel Insurance Provisions Provided by ICEFCU

Mastercard Description of Coverages

Mastercard Fair Credit and Charge Card Disclosures

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90%
APR for Balance Transfers 9.90%
APR for Cash Advances 9.90%
Penalty APR and When it Applies None
Now to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Transaction Fees
– Foreign Transaction Fee
1.00% of each transaction in U.S. Dollars
Penalty Fees
– Late Payment Fee
-Returned Payment Fee
Up to $20.00 if you are five or more days late in making a payment
Up to $25.00
Returned Convenience Check Fee $25.00 or the amount of the required minimum payment, whichever is less.
Replacement Card Rush Fee (Overnight) $29.00
Card Replacement Fee $5.00

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

Protect your finance charge rebate on your other loans with ICEFCU: Members who are 2 months delinquent on their ICEFCU Mastercard will not receive a finance charge rebate on any of their loans with ICEFCU.

We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Make your Mastercard payment on line by logging into the Mastercard website and select a one-time payment. You can make a payment from your savings or checking account with any financial institution. You can also use the credit union’s Bill Pay to schedule your credit card payments!

Effective Date: The information about the costs of the card described in this application is accurate as of: April,20,2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Toll-Free Cardholder Services: (866) 820-6974
Report Lost/stolen card: (866) 820-6974 or access your account online above.
Mastercard Assist: (800) Mastercard or

Contact Us

Phone Numbers

Telephone: (972) 259-1233
Toll Free: (844) 561-2754
Fax: (972) 254-0849
ICECUBE/Audio Teller: (866) 301-1492

Card Services

Lost/Stolen Credit Card: (866) 820-6974
Lost/Stolen ATM/Debit Card: (800) 500-1044

1408 W. Pioneer Dr.
Irving, TX 75061-7114


Office Hours

M/T/TH: 8:00 a.m. - 5:00 p.m.
Wed: 9:00 a.m. - 5:00 p.m.
Fri: 8:00 a.m. - 5:30 p.m.

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