Mutual Savings Credit Union

VISA® Credit Cards

At Mutual Savings Credit Union, we offer the VISA® Platinum credit card. 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 Mutual Savings Credit Union VISA® Card.

You'll enjoy the following benefits:

No annual fee
Secured and unsecured fixed rates
25-day grace period
No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
ScoreCard™ REWARDS - you're automatically enrolled to earn one bonus point for everydollar spent in net retail purchases. Redeem the points for brand-name merchandise and travel rewards including air miles. Browse the store at: scorecardrewards.com
Free travel and accident insurance
Optional life and disability insurance available at low rates

Please click here for the credit card application or click here to report a lost or stolen MSCU VISA® Platinum credit card. For updated credit card agreement, click here.

Click here for the credit card payoff calculator.

Credit Disclosure
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Rates from 8.50%*
Annual Percentage Rate (APR) for Balance Transfers	Rates from 8.50%*
Annual Percentage Rate (APR) for Cash Advances	Rates from 8.50%*
*Rates shown are subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards.
Penalty APR and When it Applies	NONE
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minumum Interest Payment	If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of The Federal Reserve Board at http:// www.federalreserve.gov/creditcard.
Fees
Annual Fee	NONE
Transaction Fees	Balance Transfer Fee: NONE Cash Advance Fee: NONE Fee on Purchases: NONE
Penalty Fees	Late Payment Fee: Up to $20.00 Over-the-Credit Limit Fee: NONE Returned Payment Fee: Up to $25.00
Other Fees	Card Replacement Fee: None Document Copy Fee: Up to $2.00 for each additional copy of a statement.

How we will calculate Your Balance: We will use a method called "average daily balance (including new
purchases"). See your Credit Card Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is
provided in your Credit Card Agreement.

Other: Click here to view the Credit Card Agreement



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