Municipal Credit UnionMCU Secured VISA CardRegistry illustration · issuer artwork unavailable

MCU Secured VISA CardMunicipal Credit Union · state credit union, NY · NCUA 60153

CurrentLast observed Aug 23, 2026Source date Aug 23, 2026Official issuerCredit card · Consumer

Purchase APR

11.90%

p.1fixed

Balance transfer

11.90%

p.1fixed

Cash advance APR

17.90%

p.1fixed

Annual fee

p.1none

Foreign fee

—

Grace period

—

Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	11.90%MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“11.90%”MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for balance transfers	11.90%MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“11.90%”MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
APR for cash advances	17.90%MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“17.90%”MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	$0MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1
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	up to $20MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“Up to $20”MUNICIPAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 1

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.

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

MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“11.90%”
No public source address
MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“17.90%”
No public source address
MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“11.90%”
No public source address
MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“None”
No public source address
MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Up to $20”
No public source address
MUNICIPAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 1
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
No public source address

dates on sources or when they were captured

Aug 23, 2026: Annual fee, Balance transfer APR, Cash advance APR, Purchase APR, Returned payment fee

No republished document is bound to this product. See the sources above for the evidence behind these terms.