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Value-Packed VISA

VISA

Our VISA is one of the most competitive credit cards around. Along with a number of affordable features, we have a low fixed rate, making our VISA a real value!

  • Fixed Rate
  • 25-day grace periods on purchases
  • No annual fee
  • Worldwide acceptance
  • Cash advance capability

Do you want more information? Or are you ready to sign up? Click the spinning logo for our new online VISA application!

VISA

Mastermoney Debit Card applications available from any Member Service Representative.

Debit Carts Verified By VISA Credit Cards Verified By VISA

The following Truth-In-Lending Disclosure will be in effect beginning October 16, 2009.*

VISA Credit Card Disclosure
Annual Percentage
Rate (APR) for
Purchases		 9.9%
Other APRs Cash Advance APR: 9.9%
Balance Transfer APR: 9.9%
Delinquency APR: 16.9%*
Click here for VISA Disclosure information
Penalty APR and When it Applies

16.90%

This APR will be applied to your account if you make a late payment.
How Long Will the Penalty APR Apply?: If your APRs are increased, the Penalty APR will apply until you make six consecutive minimum payments when due or pay your entire new balance be the due date each month.
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 interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

VISA Credit Card Disclosure
Annual Fee None

Transaction Fees

  • Cash Advance
  • Foreign Transaction

 

Either $5 or 3% of the amount of each cash advance, whichever is greater
(Maximum fee: $75.00)
1% of each transaction in U.S. dollars.

Penalty Fees

  • Late Payment
  • Returned Payment

 

Up to $20
Up to $25

How we Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See section 5 of the agreement for more details.

Billing Rights: Information on your rights to dispute transactions and hwo to exercise those trights is provided in the agreement. See Billing rights for more details.

The information provided in these disclosures was accurate as of August 2010, the date of printing, and is subject to change. To obtain information regarding any changes, you may contact the credit union at (734) 484-5100 or write to us at 424 S. Mansfield St., Ypsilanti, MI 48197-9965.