A MasterCard from Salem VA Credit Union allows you the convenience of purchasing goods and services at over 10 million locations across the country and around the world. You also have access to cash advances at ATMs and financial institutions worldwide, 24 hours a day, 7 days a week.  Our MasterCard provides you with easier and safer shopping, traveling, and mail orders.


Check your balance and make payments at anytime and anywhere.


Annual Fee


Cash Advance Fee


Balance Transfer Fee


Late Payment Fee

$10.00 if 20 days or more late


Annual Percentage Rate (APR) for Purchases

 13.5% APR  

APR for Balance Transfers

13.5% APR

APR for Cash Advances

13.5% APR

How To Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at

Your balance will be calculated using a method called “Average Daily Balance.”




If you’re calling to report a lost or stolen MasterCard after hours, please dial 1-800-599-7889.

To report fraud on your MasterCard please call 1.800.369.4887


You can mail your payment to:

P.O. Box 4521

Carol Stream, IL 60197-4521