A New Partnership Delivering a Better Product to You
Synergy One Federal Credit Union has entered into a partnership with ATIRAcredit to bring new and enhanced credit card features and flexibility for our members. These enhancements will be implemented over the next several months. Please visit the ATIRAcredit FAQs to learn more about these changes.

Credit Card Transition Timeline

With our partnership with ATIRAcredit, you will receive a Platinum MasterCard with all the consumer protections you need.  At no additional cost, your ATIRAcredit^SM card features a Zero Liability policy for any unauthorized use of your card, regardless if it is at the store, over the phone, or on the Internet.

Apply Online

Synergy One – ATIRAcredit Platinum MasterCard Benefits:

• A generous rewards program, there are no limits on the number of points you can earn
  
• Redeem for cash, gift cards, merchandise or travel with as few as 2,500 points
• No annual fee
• No balance transfer fee
• Zero Liability fraud protection
• Easy online account access and management
• $250,000 travel insurance policy, automatic and at no cost to you
• Platinum Protection including Extended Warranty Coverage, Price Protection Coverage, and Purchase Assurance Coverage
• Click here for Terms & Conditions of the ATIRAcredit card

How can I make my ATIRAcredit MasterCard payment?

As a cardholder, you have a number of convenient ways to make your payment:

• Online – www.ATIRAcredit.com
  
• Online - Synergy One Online Free Bill Payment Service
  
• At your local Synergy One Federal Credit Union branch – Teller window
  
• Over the phone – 888-428-4721 (ATIRAcredit)
• By mail – ATIRAcredit MasterCard
  
  P.O. Box 10415
  Des Moines, IA 50306-0415
  (When paying by mail, please be sure to include account number and slip portion from your statement with payment.

If you are a business owner interested in a credit card for your company, please visit the VISA Business Platinum page for more details.

Credit Card Act of 2009
Effective August 20, 2009, a portion of the Credit Card Act of 2009 goes into effect. If you have a credit card, signature line of credit, home equity line of credit and/ or a stock line of credit please read the Credit Card Act of 2009 Frequently Asked Questions.