MCU Visa SignatureMunicipal Credit Union · state credit union, NY · NCUA 60153
CurrentLast observed Oct 14, 2026Source date Oct 14, 2026Official issuerCredit card · Consumer · VisaNetwork stated on issuer websiteFiled as “SIGNATURE”
Foreign fee
—
Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchasesintroductory rate first | |||
| Introductory, 12 months | 1.99%MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1.99% Introductory APR”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| 19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “for new cardholders on purchases and balance transfers for the first twelve (12) months based on creditworthiness. After the 12-month introductory period, the APR will be a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. The APR may vary.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 months | 1.99%MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “1.99% Introductory APR”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| After | 19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “for new cardholders on purchases and balance transfers for the first twelve (12) months based on creditworthiness. After the 12-month introductory period, the APR will be a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. The APR may vary.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR for cash advances | 19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The APR for Cash Advances for Signature Visa is a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. This APR will vary with the market based on the Prime Rate.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No Annual FeeMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “No Annual Fee”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Transaction fees | |||
| Cash advance | 3% of the amount, minimum $1, Cash Advance Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Cash Advance Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Balance transfer | 3% of the amount, minimum $1, Balance Transfer Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Balance Transfer Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | up to $20 — Returned Payment Fee for all Signature Visa Cards is up to $20.00.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “Returned Payment Fee for all Signature Visa Cards is up to $20.00.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular; Purchase · Introductory; Purchase · Regular | for new cardholders on purchases and balance transfers for the first twelve (12) months based on creditworthiness. After the 12-month introductory period, the APR will be a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. The APR may vary.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “for new cardholders on purchases and balance transfers for the first twelve (12) months based on creditworthiness. After the 12-month introductory period, the APR will be a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. The APR may vary.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| APR qualificationsCash advance · Regular | The APR for Cash Advances for Signature Visa is a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. This APR will vary with the market based on the Prime Rate.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The APR for Cash Advances for Signature Visa is a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. This APR will vary with the market based on the Prime Rate.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| RewardsNot disclosed | 1.5 points per $1. See source conditions for eligible purchases.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The MCU Visa® Signature gives you the power to earn 1.5 points for every dollar you spend on eligible purchases, with no annual fee and premium perks like travel insurance and no foreign transaction fees.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |
| Rewards conditionsRewards | Point posting timing is not disclosed. Point expiration is not disclosed. Point redemption options are not disclosed. The MCU Visa® Signature gives you the power to earn 1.5 points for every dollar you spend on eligible purchases, with no annual fee and premium perks like travel insurance and no foreign transaction fees.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | “The MCU Visa® Signature gives you the power to earn 1.5 points for every dollar you spend on eligible purchases, with no annual fee and premium perks like travel insurance and no foreign transaction fees.”MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026 | Website |