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Visa StudentRemove

Merced School Employees Credit Union

Product terms with exact source passages
TermValueSource
APR for purchases—
APR for balance transfers—
APR for cash advances—
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo 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, 2026Website
Transaction fees
Cash advance—
Balance transfer—
Foreign transaction—
Penalty fees
Late payment—
Returned payment—
Opening conditionsBuild credit, not debt.  A card just for students 18 and older who are first-time borrowers at MSEFCU.  The smaller credit line of $300 to $500 gives students enough to purchase the things they need without getting into too much debt.MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Purchase rewardsNot disclosed1 point per $1. See source conditions for eligible purchases.MERCED SCHOOL EMPLOYEES · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsPurchase rewardsPoint 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, 2026Website