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World Mastercard® Credit Card

The Alternative to Big Bank Card Fees
The ELCA Federal Credit Union World Mastercard Credit Card puts the “credit” in credit union. Enjoy worldwide acceptance along with travel, lifestyle and insurance benefits that provide you with exclusive access and peace of mind.
A Credit Card With Great Benefits
  • Interest rates start as low as 12.99% APR*
  • One very low rate that is good for purchases, balance transfers or cash advances
  • No transaction fees for balance transfers or cash advances
  • Lock and unlock feature to stop fraudulent and unauthorized activity
  • No annual fee
  • Compatible with digital wallets on the major mobile payment platforms: Apple Pay, Google Pay and Samsung Pay
Your ELCA Federal Credit Union World Mastercard is linked to your other credit union accounts through our ItsMe247 online banking and mobile app, so you can transfer funds in and out of your World Mastercard account in real time, plus view transactions and check your balance anytime. As for security, you're in control: the card's lock/unlock feature lets you limit the opportunity for others to initiate fraudulent or unauthorized activity.
A Financial Resource for Ministries too
Our Ministry Credit Card Program offers a cost-effective alternative to standard corporate credit card programs, with flexible agreement options tailored to meet a ministry's unique needs, including our share/deposit-secured program. As with individual cardholders, ministries can reap all the benefits of the ELCA Federal Credit Union World Mastercard Credit Card, including Travel, Shopping and Insurance Protection.
View your Mastercard World Guide to BenefitsApply For Your Credit Card

This is the best experience I’ve had with any financial institution anywhere.

Laura Hadley
Member, Ebenezer Lutheran Church Chicago, Illinois
The ELCA Federal Credit Union Credit Card accounts include the following FREE services:

Mobile App: Account Access Whenever, Wherever

With our mobile app available for Android and Apple devices, you can:
  • Deposit checks using Remote Deposit Capture*
  • Search for a free ATM nearby
  • Pay bills
  • Transfer funds to/from internal and external (A2A) accounts
  • Send money to anyone by text or email using person-to-person payments (P2P)
  • Sign up for eAlerts and much more
*First-time remote deposit users must complete a brief enrollment process. Launch our app, select Remote Deposit and then click Sign Up to enroll.  New users are typically approved by the following business day.  Normal check-hold policies apply.

Free Online Banking: Freedom to Bank from Wherever You Are

Every ELCA Federal Credit Union feature is at your fingertips, quickly, securely and completely free with It’s Me 247 online banking.
  • Access all of your savings account details online, including account balances, pending transactions and a complete transaction history with links to images of checks
  • Transfer funds between your savings and checking accounts, credit cards and loans
  • Open a checking account, secondary savings account or CD
  • Apply for a loan or credit card
  • Get your free monthly eStatement online as soon as it’s ready. No waiting for the mail. And because it’s paperless, it’s the green way to bank.
  • Set up free eAlerts to let you know if an account balance is low or high, when an automatic withdrawal or deposit is made or when a loan payment is due
  • Complete Member-to-Member (M2M) transfers, which allow you to transfer funds immediately and directly to other ELCA Federal Credit Union members
  • With Account-to-Account (A2A) Transfers you can link your ELCA FCU account with your accounts at other financial institutions and transfer funds to and from these accounts free of charge.
  • Quickly and easily transfer funds to anyone using Person-2-Person (P2P) payments. All you need is an email address or cell phone number. This service is free of charge and in most cases, the money arrives in just a couple of days. Must be enrolled in our free bill pay.

Free eStatements

Enroll online now to receive eStatements – the faster, greener, paperless way to track account activity. Your 12 most recent eStatements will always be available online and at the beginning of each month, you’ll be notified by email when your eStatement is ready to view or download. Download your account information into your choice of Microsoft Money, Intuit Quicken, or Intuit Quickbooks and CSV format. Also available is the legacy file version (QIF) for use in older programs.
Enroll now!
Paper statements are available for $1 per month to cover printing and postage costs.


Stay on top of your finances by enrolling for eAlerts.  Receive an email or text message to notify you of any of the following:
  • When your account balance is above or below a designated threshold
  • When an ACH deposit or withdrawal occurs
  • Loan payment due date
  • General account notices for overdrafts, CD maturity and more