Credit Cards

No matter where you are in life – just starting out or starting over, on your own or enjoying the freedom of retirement – we have a card to fit your lifestyle. With no annual fees, you can dine, shop and travel the world with the convenience of a MasterCard credit card from LRRCU.

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  • To apply for a LRRCU MasterCard SecureCard, click here.
  • Check our rates!
  • Already have a LRRCU MasterCard? Access your account online anytime, with online banking.
  • Lost or Stolen MasterCard Hotline: 800-472-3272
  • Is your credit up to par? Find out for free at annualcreditreport.com. or get your free LRRCU credit review.
  • Download the Balance Transfer Form

Visa and MasterCard Rewards® Program

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Link your credit & debit cards for added value.

  • Shop! with UChoose Rewards® – You can shop like you normally would and watch the rewards add up. Plus, shop with participating UChoose Rewards® retailers and earn even more points!
  • Earn Points – Simply use your Debit Card Rewards anywhere and you will earn points per dollar spent when you shop for everyday needs and more. But that’s not all – earn even MORE points when you use your LRRCU Visa or MasterCard at the participating retailers listed on this website It’s that easy!
  • Enjoy Your Rewards – Watch your rewards add up! Then, redeem them for exciting options like the latest electronics, trendy clothing, airline tickets – and more

MasterCard SecureCard

MasterCard SecureCode is a new service from MasterCard and your card issuer that provides added peace of mind when you shop online by providing added protection against unauthorized use of your enrolled card online.

Once you’ve registered and created a SecureCode, each time you make an online purchase, a window will pop up asking for your SecureCode, just like using a PIN at the ATM. When you correctly enter your SecureCode, your card issuer confirms that you are the authorized cardholder and your purchase is completed. No code, no confirmation, no purchase.

Fraud Resources

Protect Yourself from Card Fraud … and what to do if You Suspect Fraudulent Activity. To ensure your credit or debit card has not been used inappropriately, you should always:

  • Check your credit and debit card monthly statements carefully for suspicious activity.

If you suspect a transaction you did not make:

  • Contact the card issuer immediately.

Tips for Monitoring and Protecting Your Personal Data

  • Review your credit report at least once a year. You can obtain a free copy of your credit report from www.annualcreditreport.com. You can also contact each credit bureau directly:
    1. Equifax, P.O. Box 740241, Atlanta, GA 30374-0241,www.alerts.equifax.com
    2. Experian, P.O. Box 9532, Allen, TX 75013, www.experian.com, 1-888-EXPERIAN (397.3742)
    3. TransUnion, P.O. Box 6790, Fullerton, CA 92834-6790, 1-800-916-8800
  • Should you find any suspicious activity on your credit report or have reason to believe your information is being misused, contact your local enforcement agency or Attorney General’s office, and file a police report. If you file a police report, make sure to get a copy of it — which you have a right to do — and retain it for future reference.
  • Report fraudulent Internet crime to the Internet Crime Complaint Center (IC3) at www.ic3.gov. This resource — a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center and the Bureau of Justice Assistance — provides a central referral mechanism for complaints involving Internet-related crimes.
  • You can also contact each credit bureau directly (see contact information above) to place a security/fraud alert on your credit file. A security/fraud alert tells creditors to contact you before they open any new accounts or change your existing accounts. If you wish, you can take the additional step of requesting a security freeze on your credit report. A security freeze prohibits a credit bureau from releasing any information in your credit report without written authorization. Please be aware, however, that placing a security freeze on your credit report may interfere with the timely approval of any requests you make for new credit, loans or other services. When requesting a security freeze, you will need to provide your full name, Social Security number, date of birth, home addresses within the past five years, proof of your current home address (such as a utility bill) and a copy of your driver’s license or other government ID card. The agency may charge a fee to place and remove a security freeze. This fee is generally $10 or less and may be waived if you provide a valid copy of a police report.
  • Tear or shred all documents containing personally identifiable information — including your Social Security number, checking and savings account numbers, date of birth, home address and zip code. This will help prevent your personal data from ending up in the hands of others.
  • Always keep your PIN numbers and other account information hidden. Do not write your PIN on your credit, debit or ATM card.
  • Criminals often seek to take advantage of situations like this to try to obtain personal information, like credit and debit card numbers, PINs and Social Security numbers. We will not send emails or telephone you asking for personal information. If you receive an email or telephone call claiming to be a representative of Heartland, please do not provide any personal information.

If you have any questions or concerns please feel free to contact us at 717-295-6685.

Lost or Stolen Credit Card Hotline Numbers

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