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MSGCU REWARDSRemove

Michigan Schools and Government 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 feeMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance$0, No fee for balance transfers or cash advancesMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Balance transfer$0, No fee for balance transfers or cash advancesMICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Foreign transaction1% of the amount, †Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty fees
Late payment—
Returned payment—
Opening conditions †Annual Percentage Rate. The MSGCU Rewards Visa APR is variable based on prime. Credit subject to approval. Normal credit standards apply. A 1% fee (in U.S. dollars) on foreign purchases applies. See MSGCU Representative for details. MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award2,500 points. Qualifying purchase amount is not disclosed. Qualify within 60 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. **Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Signup bonuspoints award2,500 points. Qualifying purchase amount is not disclosed. Qualify within 60 days after account opening. Award posting timing is not disclosed. Offer expiration not disclosed. **Available for MSGCU Rewards Visas opened after 1/2/2020. Complete the following within the first 60 days of account opening to earn up to 5,000 points: 2,500 points with the first purchase and 2,500 points after the first 20 purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Cash back1.50% cash back. Payment timing is not disclosed. Earn 1.5% cash back on all purchases.MICHIGAN SCHOOLS AND GOVERNMENT · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website