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
- ScoreCard RewardsNo 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. If you need to contact ScoreCard REWARDS call 800-854-0790.
- 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. To manage credit card, click here.
Click here for the credit card payoff calculator.
Interest Rates and Interest Charges
|Annual Percentage Rate (APR) for Purchases||Rates from 8.50%* - 15.50%*|
|Annual Percentage Rate (APR) for Cash Advances||Rates from 8.50%* - 15.50%*|
*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.|
|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