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Mid American Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
IntroductoryNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
9.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for balance transfersNoneConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
APR for cash advances9.90%Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases25 days from the close of each billing cycle—
How we calculate your balanceAverage daily balance including new purchases—
Annual fee$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Transaction fees
Cash advance$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
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 subiect to this Aareement.MID AMERICAN · Page Capture Aug 23, 2026 · Captured Aug 23, 2026p. 1
Foreign transaction1% of the amountConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
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, 2026Website
Returned payment—
Other fees
Returned Payment Fee$10, It will charge, $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 reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
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 reason.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
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, 2026Website
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 telephone.Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
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, 2026Website
Over limit$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Purchase transaction$0Consumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website
Opening conditionsMust meet membership qualificationsConsumer Financial Protection Bureau · Report Date Dec 31, 2025 · Captured Sep 6, 2026Website