RiverLand Credit Union

Our Gold MasterCard® has a fixed, low 10.45% APR*

If your current credit card has:

hiked your interest rate
increased your minimum payment
lowered your credit limit
or docked your rewards points

Tell them to “Take a Hike” and transfer your balance to a RiverLand MasterCard®!

Our MasterCard offers an honest, straight-forward credit account with no teaser rates or no hidden costs.

Here's what a RiverLand MasterCard offers you:

No Annual Fee
No Balance Transfer Fees
No Cash Advance Fees
Low Annual Percentage Rates
Same Low APR on Cash Advances & Purchases
Personalized Convenience Checks
Convenient Payment Methods
Free Online Account Access
Free Internet Shopping Security
24-hour Toll-Free Cardmember Service (800-423-7503)

Three cards to choose from:

- Gold
- Standard
- Secured

*APR =Annual Percentage Rate. This offer is available to qualifying borrowers. Restrictions and limitations apply. For terms and conditions, see the RiverLand Credit Union Gold MasterCard® online application.

MasterCard Benefits

25-day Grace Period - You have 25 days between billing cycles to avoid any finance charges if you pay off your balance in full.

Free Cash Advances - You can get a cash advance with your MasterCard at any RiverLand Credit Union branch or at any financial institution displaying the MasterCard logo. Interest accrues from date of advance.

Travel Accident Insurance - Get up to $250,000 in free coverage when you purchase your ticket on a major carrier using your MasterCard.

Worldwide Acceptance and ATM access - Having more than 24 million acceptance locations around the world, Mastercard is one of the most widely accepted credit cards available today.

Free Balance Transfers – Transfer balances from other high interest credit cards with no balance transfer fees.

Access Your Account Online - View account balances, credit limits, available credit, payment due dates, and get a detailed list of transactions plus much, much more.

Falcon System Helps Prevent Credit Card Fraud

Riverland Credit Union has implemented the Falcon Fraud Detection System to help protect our members' from potential credit card fraud. The Falcon system uses state-of-the-art technology to analyze authorization requests for your credit card in real time and compares them to your purchase history as well as current fraud trends.

If abnormal transaction patterns are detected, an agent will call you and identify themselves by saying that they are from the Fraud Servicing Center calling on behalf of RiverLand Credit Union and that they are calling to verify suspicious transactions on your account. If the transactions cannot be verified, the card will be blocked.

If you receive a call asking about a purchase made with your RiverLand credit card, please take a moment to speak with our fraud investigator to verify your account activity. Be assured, our agents will never ask for your personal financial information over the phone so be cautious and never reveal any personal financial information over the phone regardless of who the caller claims to be. Below is a list of the limited information that will be requested by our fraud investigator.

To verify transactions and have a block removed from your account call:

United States 800-437-9392 ~ International 727-556-9000 call collect

You will be asked to verify your identity and asked for:

the last 4 digits of your card number
your date of birth
the last 4 digits of your Social Security Number
if a particular transaction is one that you initiated

You will NEVER be contacted by e-mail, or text messaging, and NEVER asked for:

your complete card number
your PIN
the expiration date on your card
the CVC number, the 3 digit number on the signature line on the back of your card
your complete Social Security Number
your billing address or zip code
your phone number
or any personal or financial information other than that which is listed in the section above