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MCU Visa SignatureRemove

Municipal Credit Union

Product terms with exact source passages
TermValueSource
APR for purchasesintroductory rate first
Introductory, 12 months1.99%MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for balance transfersintroductory rate first
Introductory, 12 months1.99%MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
After19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
APR for cash advances19.24%–23.24% variableMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Penalty APRafter a late or returned payment—
Paying interestgrace period on new purchases—
Annual feeNo Annual FeeMUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Transaction fees
Cash advance3% 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, 2026Website
Balance transfer3% 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, 2026Website
Foreign transaction—
Penalty fees
Late payment—
Returned paymentup to $20 — Returned Payment Fee for all Signature Visa Cards is up to $20.00.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
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, 2026Website
APR qualificationsCash advance · RegularThe 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, 2026Website
RewardsNot disclosed1.5 points per $1. See source conditions for eligible purchases.MUNICIPAL · Page Capture Oct 14, 2026 · Captured Oct 14, 2026Website
Rewards conditionsRewardsPoint 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, 2026Website