Must be a Municipal Credit Union member. This card is designed to help you establish or repair your credit. Select your own credit limit from $300 up to $5,000. The funds you submit will be deposited into a special dividend-earning 18-month Secured VISA® Share Certificate account. This account will serve as your credit line collateral. Grace Period: Your due date is at least 25 days after the close of each billing cycle. You will not be charged any interest on purchases if you pay your entire balance by the due date each month. Card issuer will begin charging interest on Cash Advances on the date of the transaction. Cash Advance Fee: Either $1 or 3% of the amount of each cash advance, whichever is greater (maximum fee $30). Foreign Transaction is 1% of each transaction in U.S. dollars. Returned Payment Fee: Up to $20.