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About Our Ratings

MCU Secured Visa® Review

MCU Secured Visa® details

Balance Transfer Intro APR:
None
Balance Transfer Intro Period:
APR:
None
Balance Transfer Fee:
None
Annual Fee:
None
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Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 N/A
 N/A
 N/A
Margin:
 N/A
 N/A
 N/A
APR:
  11.90% Fixed
 11.90% Fixed
 17.90% Fixed
APR Floor:
 None
 None
 None
Intro Rate:
 None
 None
 None
Intro Period:
 None
 None
 None


Finance Calculation Method:
 Average Daily Balance
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 

Credit Card Fee Information:


Annual Fee:
 None
Foreign Transaction Fee:
 1%
Late Fee:
 N/A
Over-the-limit Fee:
 None
Balance Transfer Fee:
None  


Notes:

Rebate Description:
 N/A
Special Notes:
 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.
Credit Card More Information:

Card Issued By:
 Municipal CU
General Correspondence Address:
 2 Lafayette Street
Card Type:
 Visa
Card Class:
 Other
Card Category:
 Balance Transfer
States Available In:
 
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $5000 max.
Credit Limit Notes:
 

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  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
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  • NEW OFFER! 0% Introductory APR for 18 billing cycles for balance transfers made in the first 60 days, then, 10.99% - 20.99% Variable APR. 3% fee (min $10) applies to balance transfers
  • No annual fee
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Credit Needed:
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