Credit Cards
Loans & Credit
We have the right credit card for you.
Avoid those crazy flyers in the mail and wild, unachievable promotional offers, and get a credit card from those whom you know best! No card is more accepted around the world. Explore the benefits of Mastercard below.
Great features and benefits
Enjoy the following features with all of the above card options:
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MyCard Info online management tool
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Mastercard ID Theft Protection TM 1
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Mastercard alerts
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Mastercard Zero Liability Protection 2
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Overdraft protection
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Mastercard Global Service
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Touch-free technology
Gold MasterCard
10.50%
Variable APR
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No Annual Fee
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Free Online Management Tools
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1% Cash Back on first $5k/month
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Requires Annual Income of $30k or higher
Classic MasterCard
14.50%
Variable APR
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No Annual Fee
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Free Online Management Tools
Card Alerts
Setup free alerts for transactions that meet various conditions, including card-not-present, large purchase amounts, declined transactions, and international transactions.
Mastercard Overdraft Protection
If you have a Capitol View MasterCard, you can enroll to have a cash advance made to prevent your account from becoming overdrawn. Cash advance fees may apply. (3)
Contact one of our loan officers at caploan@capview.org or call 515-348-8350, Option 4. To view a copy of your credit report, visit annualcreditreport.com.
Manage Your Credit Card With MyCard Info
MyCard Info is Capitol View's free online credit card management tool. View and download activity, access recent statements, setup automatic payments, and notify us of upcoming travel. Select "Manage Credit Cards" in the main menu of Digital Banking.
Make a Payment
There are several convenient ways you are able to make a payment to your Capitol View MasterCard:
DIGITAL BANKING TRANSFER
Easily transfer funds in Digital Banking to the Mastercard “Sweep” account. These payments are sent each business day to your Mastercard account.
ONLINE
Setup advanced payment options using the MyCard Info tool, which is accessible through Home Banking.
Mail A Payment
Payments can be mailed to:
Capitol View Credit Union
PO Box 37035
Boone, IA 50037-0035
Pay By Phone
Contact MasterCard Services to pay over the phone:800-234-5354
Contact Us
Contact a teller at Capitol View.
Frequently Asked Questions
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How do I notify Capitol View of my travel plans?
With MyCard Info, members can notify Capitol View of upcoming travel – so our fraud monitoring system doesn’t block you. Access MyCard Info in Digital Banking by selecting Manager Credit Cards in the main menu.
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I lost my credit card. What should I do?
Report lost/stolen cards. For credit cards, call 1-800-234-5354. Verify your recent activity with the operator to file any unauthorized activity.
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How do I request a limit increase?
Current cardholders may request a limit increase by completing this online form. Members will also need to attach or fax updated copies of pay stubs for income verification.
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Where can I view a copy of my credit report?
Capitol View provides members a free credit score and reporting tool powered by SavvyMoney. View your score, credit report, and more.
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What are EMV 'chip' cards?
EMV ‘chip’ cards offer an embedded microchip, which offers powerful new security. This chip holds information that is encrypted, making it extremely difficult for it to be counterfeited.
Capitol View’s credit card feature touch-free technology. Touch-free transactions allow you to hold your card above the terminal sensor to complete the transaction.
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How do I view my account and make payment online?
Setup advanced payment option using the MyCard Info tool. Access MyCard Info in Digital Banking by selecting Manager Credit Cards in the main menu.
Terms & Conditions
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate For Purchases, Balance Transfers, and Cash Advances (APR)
10.50% variable rate with Gold Mastercard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
14.50% variable rate with Classic Mastercard when you open your account, based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
How 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.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using credit, visit the Consumer Financial Protection Bureau’s website.
Fees
| Annual Fee | None |
| Balance Transfer Fee | None |
| Cash Advance Fee | 3% of the amount of the cash advance |
| Foreign Transaction | 1% of each transaction in U.S. dollars |
| Late Payment | Up to $15 |
| Return Payment | Up to $25 |
| Card Early Replacement Fee | $10 per early replacement card |
We use a method called “average daily balance (including new purchases)” to calculate your balance.
The information about the cards described above is accurate as of April 9, 2020. Rates are as of July 1, 2024, and are subject to change. APR = Annual Percentage Rate.
All rates listed are our best rates and may vary based on creditworthiness and other factors. Capitol View uses TransUnion for credit reporting information.
- Mastercard ID Theft Protection TM: Monitors your credit file for fraud, receives alert notifications about suspicious activity, and gets assistance from a resolution specialist. Certain terms, conditions, and exclusions apply. Cardholders need to register for this service. This service is provided by Iris (R) Powered by Generali. Please see your guide to benefits for details or call 1-800-MASTERCARD.
- Mastercard Zero Liability Protection: Whether you pay in-store, over the phone, or online, you’re not responsible if someone makes an unauthorized purchase with your card. Conditions and exceptions apply. Learn more.
- Cash advance fees may apply.