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CREDIT CARDS

At My Community FCU, we offer the VISA® and MasterCard® Classic, Gold, and the Platinum credit cards. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a My Community FCU VISA®/MasterCard® Card.

You'll enjoy the following benefits:

  • A terrific annual percentage yield
  • No annual fee
  • No hidden charges
  • Low minimum payment
  • Convenient of cash advances through ATMs worlwide
  • Emergency card replacement
  • Secured and unsecured fixed rates
  • 25-day grace period
  • Balance transfers opportunities
  • Online Management
  • Optional credit insurance available at low rates
Please click here to report a lost or stolen MCFCU VISA® or MasterCard® Classic, Gold, or Platinum credit card or click here for the credit card payoff calculator. Click here to apply online.

Choose The Plan That Works For You Classic MasterCard®/VISA® Savings-Secured MasterCard®/VISA® Gold MasterCard®
VISA® Gold		 Platinum MasterCard®
VISA® Platinum
Annual Percentage Rate For Purchases 13.25% 8.25% 6.25%
Annual Percentage Rate For Balance Transfers/Cash Advances 13.25% 8.25% 6.25%
Variable Rate Prime Plus 10% Prime Plus 5% Prime Plus 3%
Grace Period For Purchases 25 DAYS 25 DAYS 25 DAYS
Method of Computing The Balance For Purchases And Cash Advances Average Daily Balance (including new purchases)
Annual Fee NONE
Minimum Finance Charge NONE
Transaction Fee For Purchases
1% for Foreign Currency Conversion
Over Credit Limit Fee
$15 if over limit at billing date
Late Payment Fee
Not to exceed $15, if applicable
Return Check Fee
$20

Charges incurred by use of the VISA® and/or the MarsterCard® card are due on receipt of the account statement.