Rates

Credit Cards

These rates are in effect as of Thursday, December 13, 2018.

TRUE Rewards Cash BackVISA®

mcu true rewards cash back visa
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Platinum CardVISA®

mcu platinumcard
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MCU²VISA®

mcu platinumcard
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Secured VISA®

mcu gold card
Annual Percentage Rate for Purchases0.00%, 2.90%, 3.90% or 5.90% Introductory APR for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 14.15%, 15.40%, 16.90% or 18.65% (Prime Rate + 9.15%, 10.40%, 11.90% or 13.65%). The APR may vary.*3.90%, 4.90% or 5.90% Introductory APR for new cardholders on purchases and balance transfers for the first 6 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 11.90%, 13.40%, or 14.90 % (Prime Rate + 6.90%, 8.40%, or 9.90%). The APR may vary.**0.00% Introductory APR for new cardholders on purchases and balance transfers for the first 6 months. After that, the APR will be 13.40% (Prime Rate + 8.40%) The APR may vary.***11.90%
Grace Period for Repayment of the Balance for PurchasesNot less than 25 daysNot less than 25 daysNot less than 25 daysNot less than 25 days
Method of Computing the Balance for PurchasesAverage daily balance (including new purchases)Average daily balance (including new purchase)Average daily balance (including new purchase)Average daily balance (including new purchase)
Annual FeesNoneNoneNoneNone
Minimum Finance ChargeIf you are charged interest, the charge will be no less than $.50If you are charged interest, the charge will be no less than $.50If you are charged interest, the charge will be no less than $.50If you are charged interest, the charge will be no less than $.50
Balance Transfer FeeBalance Transfers: Either $2.00 or 3% of the amount of each Balance Transfer, whichever is greaterNoneNonen/a
Rates and terms are subject to change without notice.

*0.00%, 2.90%, 3.90% or 5.90% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, a 14.15%, 15.40%, 16.90% or 18.65% variable APR.
**3.90%, 4.90%, or 5.90% Introductory APR for new cardholders on purchases and balance transfers for the first six (6) months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, an 11.90%, 13.40%, or 14.90% variable APR.
***0.00% Introductory APR for new cardholders on purchases and balance transfers for the first six (6) months. A low 13.40% variable APR after introductory period expires.

The Annual Percentage Rate for Cash Advances for all MCU VISA Cards is a fixed 17.90%.

Balance Transfer Fee for TRUE Rewards Cash Back Visa Card is 3% of the amount of each Balance Transfer but not less than $2.00.

Cash Advance Fee for TRUE Rewards Cash Back VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Platinum is, depending on your creditworthiness at account opening, either 3% of the amount advanced but not less than $2.00 or more than $30.00, or 3% of the amount advanced but not less than $1.00 or more than $30.00.
Cash Advance Fee for MCU2 VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00.
Cash Advance Fee for Secured VISA Card is 3% of the amount advanced but not less than $1.00 or more than $30.00.
Foreign Transaction Fee for all MCU VISA Cards is 1% of each foreign transaction in U.S. dollars.

Late Payment Fee for all MCU VISA Cards: up to $30.00.
Returned Payment Fee for all MCU VISA Cards: up to $20.00.

Variable APRs will vary with the market based on the Prime Rate and are based on the 5.00% Prime Rate as of 06/15/18.

APR = Annual Percentage Rate.

These rates are in effect as of Thursday, December 13, 2018.
Rates and terms are subject to change without notice.

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