Mid American Credit Union9.9% Share Secured VisaRegistry illustration · issuer artwork unavailable
9.9% Share Secured VisaMid American Credit Union · state credit union, KS · NCUA 65378
CurrentLast observed Sep 6, 2026Source date Dec 31, 2025Government datasetCredit card · Consumer · secured
Balance transfer
—
Grace period
25 days
from cycle close
Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| 9.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website | |
| APR for balance transfers | NoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| APR for cash advances | 9.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | 25 days from the close of each billing cycle | — | — |
| How we calculate your balance | Average daily balance including new purchases | — | — |
| Annual fee | $0, a. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be charged each year until your account is closed and/or paid in full.MID AMERICAN · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “None”MID AMERICAN · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Transaction fees | |||
| Cash advance | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Balance transfer | $0, c. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the fee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a balance from an account of another creditor to the account subject to this Agreement.MID AMERICAN · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | “None”MID AMERICAN · Page Capture Aug 23, 2026 · Captured Aug 23, 2026 | p. 1 |
| Foreign transaction | 1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Penalty fees | |||
| First late fee | $15 or the amount of the required minimum payment, whichever is lessConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Returned payment | — | no source read | |
| Other fees | |||
| Returned Payment Fee | $10, $10, or the amount of the required minimum payment, whichever is less If your account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reasonConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Card Replacement Fee | $5, If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is issued to You for any reasonConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Document Copy Fee | $15, If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error mConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Pay-By-Phone Fee | $15, If Your Account is subject to the Pay-By-Phone Fee, except as limited by applicable law, a fee will be charged for each time You make a payment by telephoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Statement Copy Fee | $5, If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of the a sales draft or stConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Over limit | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Purchase transaction | $0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |
| Opening conditions | Must meet membership qualificationsConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026 | — | Website |