Must be a Municipal Credit Union member, be 18 years or older, have a valid SSN, and be a graduate or college student. Valuable tool for students to establish good credit. Credit lines from $500 to $3,000. APR for Purchases and Balance Transfers: 0.00% for the first six months, after that 11.65% (will vary with the Prime Rate). Your due date is at least 25 days after the close of each billing cycle. Card issuer will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. Card issuer will begin charging interest on cash advances on the transaction date. Late Payment Fee: Up to $30. Returned Payment Fee: Up to $20.