9/14/2021

Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

  >  Personal (/personal)  >  Credit Cards (/personal/credit-cards)

>  Visa® Cash Back Signature (/personal/credit-cards/visar-cash-back-signature)
>  Cash Back Visa® Signature Credit Card Details & Disclosures

Cash Back Visa® Signature Credit Card
Details & Disclosures

The current prime rate is: 3.25%. Rates effective as of September 7, 2021. Rates subject to change at
any time.

Disclosures

• Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%,

10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%).

• Total amount of all unsecured loans and lines of credit may not exceed $25,000 per member.

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

• You have 25 days to repay your balance for purchases in full by the payment date on your periodic

billing statement.

• Method of computing the balance for Purchases: Average Daily Balance (excluding new purchases).

• Fees: 
     o $27.00 Late Fee 

     o $10.00 Card Replacement 

     o $20.00 Placed on Revoked List 

     o $5.00 Draft Copy 

     o 3% Balance Transfer Fee (min. $30.00) 
     o 3% Cash Advance Fee (min. $10.00) 

     o $5.00 Chargeback 

     o $27.00 Returned Payment Fee

• The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There

are no default rates, limits as high as $25,000, and 24-hour customer service support.

• Visa® Cash Back is applied automatically as a statement credit quarterly for active paid accounts in

good standing. Rebate is based upon net purchases minus returns, which may result in a negative
rebate. Cash Back terms are not applicable for balance transfers and cash advances. See Cardholder

Agreement disclosure for terms & conditions.

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

• See Visa Signature Cash Back terms & conditions for summary of coverage for Lost Luggage

Reimbursement.

Details

Our Signature Cash Back Visa cards all come with a special benet package including:

• Lost Luggage Reimbursement 
• Signature Concierge Service 

• Personal Identity Theft Coverage 
• Travel Accident Insurance
• Travel and Emergency Assistance 

• Warranty Manager Service

View benets details offered by Visa. (https://usa.visa.com/support/consumer/card-benets.html/)

<-- Back to Cash Back Visa Signature Credit Card (/personal/credit-cards/cash-back-signature-visa)

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

Routing Number: 211880271

NMLS Number: 460131

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

Copyright © 2021 UMassFive

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government
Agency.

 (https://www.hud.gov/program_oces/fair_housing_equal_opp)

 (https://www.ncua.gov/Pages/default.aspx)

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