MECU of Baltimore, Inc. Visa� Credit Card Disclosure Information
Keep this for your personal records. It contains valuable information about MECU�s VISA� Platinum,  
Platinum with Rewards, Platinum Secured and Signature Credit Cards.
Annual Percentage Rates (APR)  
for Visa Platinum1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.Annual Percentage Rates (APR*)  for  Purchases
1.99% introductory APR for 12 months from date of account opening.
Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.After that your APR will be 9.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Platinum with Rewards
Annual Percentage Rates (APR)  
for Visa Platinum Secured
1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50%  based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Signature
Annual Percentage Rates (APR)  for Balance Transfers
Annual Percentage Rates (APR)  
for Visa Platinum1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.
1.99% introductory APR for 12 months from date of account opening.
Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.After that your APR will be 9.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Platinum with Rewards
Annual Percentage Rates (APR)  
for Visa Platinum Secured
1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50% based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Signature Annual Percentage Rates (APR)  
for Visa Platinum1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.Annual Percentage Rates (APR)  for Cash Advances
1.99% introductory APR for 12 months from date of account opening.
Your rate will be 12.92% APR. This APR may vary with the market 
based on the Wall Street Journal Prime Rate.After that your APR will be 9.75% up to 24.00%  based on your 
credit worthiness. This APR may vary with the market based on Wall Street 
Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Platinum with Rewards
Annual Percentage Rates (APR)  
for Visa Platinum Secured
1.99% introductory APR for 12 months from date of account opening.
After that your APR will be 8.50% based on your credit worthiness. This 
APR may vary with the market based on Wall Street Journal Prime Rate.Annual Percentage Rates (APR)  
for Visa Signature
How We Will Calculate Y our Balance: We use a method called �average daily balance� including new purchases.  
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided  
in your Account Agreement.  Effective Date:  The information about the costs of the card described in this  
application is accurate as of  March 1, 2017. This information may have changed after that date. To find out what  
may have changed, contact MECU. Credit limits are based on credit worthiness and ability to repay.  
*APR = Annual Percentage RateYour due date is at least 25 days after the close of each billing cycle. We 
will not charge you interest on purchases if you pay your entire balance 
by the due date each month.
None
To learn more about factors to consider when applying for or using a  
credit card, visit the website of the Federal Reserve Board at:  
www.consumerfinance.gov/credit-cards/agreements/
None
None  
Up to 1% of transaction in US dollars, dependent upon currency  
conversion requirements
Penalty Fees  
Late Payment
Over-the-Credit Limit
Returned PaymentUp to $24, dependent upon your outstanding balance   
None
Up to $15, dependent upon your outstanding balance 
$10 Replacement fee  
$5FeesNoneHow to Avoid Paying Interest on 
Purchases
Penalty APR
Minimum Interest Charge
For Credit Card Tips from  
the Federal Reserve
Transaction Fees  
Balance Transfer and Cash Advance  
Foreign Transaction
Other Fees
Card Replacement Fee  
Pay-by-Phone FeeAnnual Fee