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Credit Cards

As a financial cooperative, your Credit Union focuses on better service and value — not generating profits for investors. That’s why, when you choose a CEFCU Mastercard, you enjoy great rates, no annual fees, ID Theft Protection, Trip Cancellation Insurance, and much more!

See why this is the Nicest Card You’ll Ever Carry!®

Take advantage of rates
as low as
1.99% to 11.49%

Plus, cash back or extra bonus points!

Take advantage now!

Card Design Options

US Flag design
Black and white swirl design
Landscape photo of Peoria from the Riverfront design
Peoria Skyline
Blue and grey curved design
Black and white pin stripe design
(World card design is only available for World Mastercard.)

Find the Right Card for Your Lifestyle


  • Count on Mastercard’s Zero Liability protection from unauthorized purchases.
  • Enjoy valuable shopping benefits, including Extended Warranty and Price Protection.
  • Get Trip Cancellation Insurance.
  • Rely on 24/7 cardholder service and emergency assistance.
  • Have added peace of mind with ID Theft Protection.

Rewards Mastercard

  • Earn 1 point for every dollar of net purchases on your card.
  • Receive bonus points plus discounts from CURewards® — for select online and in-store purchases.
  • Redeem points for Mastercard Gift Cards.
  • Use points for airline tickets (with no blackout dates), vacation packages, or merchandise.

Plus all of the great benefits included with a CEFCU Mastercard!

World Mastercard

  • Earn additional bonus points on select transactions — like fuel, dining, and hotels.
  • Enjoy luxury travel perks.
  • Use concierge service for travel planning and more.
  • Receive special offers  — like lodging, travel and cruises — from Mastercard.

Plus all of the great benefits included with a CEFCU Rewards Credit Mastercard!

Manage Your Card

Make the most of your CEFCU Mastercard with these account management tools. Questions about your account? We're here to help!

What Do You Want From Your CEFCU Mastercard?

Purchasing freedom? Rewards? Travel benefits? Shopping Convenience?

Get the card tailored to your needs and lifestyle!

Zero Liability: Pay only for purchases which you have authorized on your Mastercard card. Unauthorized purchases are not your responsibility. Conditions and exceptions apply. Get Details.

*Certain conditions, restrictions, and exclusions apply. For full details, see the Credit Card Disclosures, Guide to Benefits, or contact CEFCU. The 25-day grace period is only effective when previous balance is paid in full within the first 25 days of the billing cycle. Complete details are available in the CEFCU Mastercard and Rewards Mastercard Cardholder Agreement.

**Select transactions — such as cash advances, balance transfers, and insurance changes posted to the account — are excluded from earning points. Points cannot be transferred from one CEFCU Credit Card program to another CEFCU Credit Card program or account and must be used before the Rewards Card is closed. Points can exist on an account for up to five calendar years and will start to expire at the end of the fifth calendar year. Rewards points earned on CEFCU Rewards or World Credit Cards are administered by CURewards (the Program) on behalf of CEFCU and are NOT: a deposit; obligations of CEFCU, the National Credit Union Administration (NCUA), or any affiliated entity; insured by the National Credit Union Share Insurance Fund. Accounts must be open and in good standing (not canceled or terminated by either party, not delinquent, over limit, or otherwise not available to use for charges) at time of redemption. Rewards are not available when a cardholder is in default under the card agreement. View more program details in the CEFCU Mastercard Rewards Guide or CEFCU World Mastercard Guide.