Credit Cards

Platinum MasterCard


  • Interest Rate (APR): 7.95% Non-Variable – 17.95% Non-Variable
  • Grace Period: 10 Days
  • Annual Fee: None
  • Late Fee: Up To $20        
  • Overlimit Fee: None 

Platinum MasterCard w/CashBack Rewards


  • Interest Rate (APR):
    11.95% – 17.95% Non-Variable
  • Grace Period: 10 Days
  • Annual Fee: None
  • Late Fee: Up To $20
  • Overlimit Fee: None
  • Qualifying Credit Score: 620 or above













ATMs with EMV Chip Technology

All ETPCU-owned ATMs provide an additional level of security in the form of EMV chip technology. EMV chip technology provides members with better protection from financial criminals.

Each chip technology-enabled ATM can process card transactions in a slightly different manner, depending on the machine manufacturer.

ATMs located in ETPCU office lobbies and drive-thru locations, as well as all ETPCU-operated ATMs located at additional offsite locations process transactions as detailed below.

  • If the card is EMV chip enabled, users are required to insert the card and leave the card in the ATM until the machine tells them to remove it. The ATM will keep the card until just before cash dispenses and the receipt is printed. The ATM display will direct the member to remove the card before the money is dispensed.
  • If the card is non-chip enabled, the ATM display will direct the user to remove the card and proceed with the transaction.
EMV chip debit and credit cards, as well as ETPCU-owned ATMs will continue to be compatible with non-chip capable devices and cards.

EMV Chip & Signature Cards

East Texas Professional Credit Union strives to provide our members with high-quality financial products and services. All ETPCU credit and debit cards have been upgraded to feature an additional level of security in the form of EMV Chip & Signature Technology.

Our credit and debit cards issued feature the traditional magnetic stripe on the back of the card and an embedded microchip on the front of the card. The embedded microchip provides unique data specific to your card and the transaction being processed every time you use it at chip-enabled terminals. The EMV chip will provide your card with added security that will make your card extremely difficult to counterfeit, and will provide you with better protection from financial criminals.

EMV Chip & Signature cards will continue to be compatible with existing non-chip capable devices. There are no additional fees for this technology, and if you travel internationally, chip technology is already used in more than 130 countries. 

EMV Credit Card    EMV DEBIT Card

Your EMV Chip & Signature card is simple to use:
 
Step 1: With the front facing up, insert your card into the in-store terminal. Do not remove your card until the transaction is complete. If you remove it too soon, your transaction will be canceled.

EMV step 1

Step 2: Follow the on-screen instructions.

EMV step 2

Step 3: You may be required to enter your PIN or sign the sales receipt to complete your purchase.

EMV step 2

Step 4: When the transaction is complete, always remember to remove your card.

EMV step 4


Apple Pay® can be used with East Texas Professional credit and debit cards. Apple Pay® transforms mobile payments to give members an easy, secure and private way to pay. Members can use Apple Pay® at participating stores with iPhone® 6s and iPhone® 6s Plus or later, and the Apple Watch® when paired with iPhone® 5 or later.

When using Apple Pay®, the card number is not stored on the device or on Apple® servers. Apple Pay® uses dual authentication by requiring both the device to be present, and biometric validation. In addition, cashiers do not see names, card numbers, or security codes, thus keeping payment information protected.

Products and services may be covered by one or more of the following patents: U.S. Pat. Nos. 8,505,079; 8,533,802; 8,566,957; 8,695,071 ; 8,713,656; 8,800,014; 9,112,847.

Report Your Card Lost or Stolen
It is imperative to report a lost or stolen card immediately. Any unauthorized charges on an East Texas Professional Credit Union card should be reported as soon as possible in order to allow the Card Services department to stop any fraudulent charges. If any of your ETPCU cards are lost or stolen, call 903-323-1245 or 833-933-1681 immediately.

Activate Your Card
In order to activate your new East Texas Professional Credit Union card, please call 866-207-9135 from the home phone number designated on your account.

Dispute (PIN or Signature Transaction)
If you believe a charge was made to your East Texas Professional Credit Union card in error, please call 866-279-1399 to file a dispute for that charge. 

Debit Cardholder Support
For after hours questions regarding your East Texas Professional Credit Union debit card, please all 501-346-8497.

Apply for a Debit / ATM Card