Merced School Employees Credit UnionVisa Share SecuredRegistry illustration · issuer artwork unavailable

Visa Share SecuredMerced School Employees Credit Union · federal credit union, CA · NCUA 9119

CurrentLast observed Oct 14, 2026Official issuerCredit card · Consumer · secured

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Purchase APR

—

Balance transfer

—

Cash advance APR

—

Annual fee

No Annual Fee, 25-Day Grace Period on Purchases, 2% of the balance due, or minimum payment of $25 per month.

a year

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	No Annual Fee, 25-Day Grace Period on Purchases, 2% of the balance due, or minimum payment of $25 per month.MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift…”MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Transaction fees
Cash advance	—	no source read
Balance transfer	—	no source read
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read
Purchase rewardsNot disclosed	1 point per $1. See source conditions for eligible purchases.MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift…”MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website
Rewards conditionsPurchase rewards	Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift rewardsMERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	“All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift…”MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026	Website

10408870-MXC30-P-1-070821 (MXC305-E)spnpage 1 of 5

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

VISA SHARE SECURED/VISA CLASSIC/VISA STUDENT

This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as 'Agreement') govern the terms and conditions of this Account. 'We,' 'Us,' 'Our' and 'Ours' and 'Credit Union' refers to Merced School Employees Federal Credit Union with which this Agreement is made. 'You,' 'Your,' and 'Yours' refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit card and any other access devices, duplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this Agreement and includes Your Card.

SECURITY INTEREST

You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights the Credit Union may have in any goods You purchase.

If You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares will secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account until the Credit Union agrees to release all or part of the pledged amount.

You grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now and in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law if given as security are not subject to the security interest You have given in Your shares and deposits. You may withdraw these other shares unless You are in default. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due. For example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay any or all of the unpaid balance.

Unless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union may also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other Agreement.

USING YOUR ACCOUNT By using the Account or keeping the Card, You agree to the terms of this Agreement. You agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.

CREDIT LIMIT We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason permitted by law.

REPAYMENT You promise to repay all amounts You owe under this Agreement. Your promise to repay includes all transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest charges and fees.

For each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.

The Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past due and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $25.00, then Your Minimum Payment Due is the amount of the total New Balance.

You may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.

1 2 3 4 5No page of this document is cited by this card

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

MERCED SCHOOL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e85101e2e5cb649dcc6f4904e1504399204389838ad21b01edb0dc3c3e9a737
“All of our cards come with EMV chip security, Visa purchase alerts, and 3D Secure to make using your MSEFCU Visa as secure and convenient as possible. No annual fee, a great low rate, and a 25-day grace period on purchases make our Visa cards a great value. Plus, with our Visa rewards program, you can earn one point for every dollar spent on purchases. Points are redeemable for travel and gift…”
Open source link ↗
MERCED SCHOOL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:654c0c2891df9275edb3f2fa045b36b0633f62c3ab405131b4c6e68fc0a4df19
“No Annual Fee, 25-Day Grace Period on Purchases, 2% of the balance due, or minimum payment of $25 per month.”
Open source link ↗
MERCED SCHOOL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e85101e2e5cb649dcc6f4904e1504399204389838ad21b01edb0dc3c3e9a737
“Visa Share Secured Credit Card Disclosure”
Open source link ↗
MERCED SCHOOL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e85101e2e5cb649dcc6f4904e1504399204389838ad21b01edb0dc3c3e9a737
“8.25% APR”
Additional source detail; structured values remain unknown. 8.25% APR
Open source link ↗
MERCED SCHOOL EMPLOYEES
Page Capture Oct 14, 2026 · Captured Oct 14, 2026 · record official-issuer:page:url:9e85101e2e5cb649dcc6f4904e1504399204389838ad21b01edb0dc3c3e9a737
“Everyone has to start somewhere. A MSEFCU Share Secured card is a great way to start building or rebuilding your credit. The credit limit is secured by the amount deposited in your savings. Use it anywhere Visa is accepted and build your credit, just as an unsecured card would.”
Open source link ↗

History

dates on sources or when they were captured

Oct 14, 2026: Annual fee, Issuer link, Rewards

Offered through: Merced School Employees Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 9119
Branches: 8 in CA
Sources: Official issuer · 3 documents · 0 pages cited

Documents

10408870-MXC30-P-1-070821 (MXC305-E)spneffective date not parsedName declaration: VISA SHARE SECURED · page 1
MSEFCU Application and Solicitation Disclosure 12.21effective date not parsedName declaration: Visa Share Secured · page 1
Visa Credit Card Agreement and Disclosureeffective date not parsedName declaration: VISA SHARE SECURED · page 1

Visa Share SecuredMerced School Employees Credit Union · federal credit union, CA · NCUA 9119

Rates and fees