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  Purchases

Annual Percentage Rates (APR) 
for Visa Platinum

Annual Percentage Rates (APR) 
for Visa Platinum with Rewards

1.99% 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.
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 Secured

Your rate will be 12.92% APR. This APR may vary with the market
based on the Wall Street Journal Prime Rate.

Annual Percentage Rates (APR) 
for Visa Signature

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 Balance Transfers

Annual Percentage Rates (APR) 
for Visa Platinum

Annual Percentage Rates (APR) 
for Visa Platinum with Rewards

1.99% 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.
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 Secured

Your rate will be 12.92% APR. This APR may vary with the market
based on the Wall Street Journal Prime Rate.

Annual Percentage Rates (APR) 
for Visa Signature

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 Cash Advances

Annual Percentage Rates (APR) 
for Visa Platinum

Annual Percentage Rates (APR) 
for Visa Platinum with Rewards

1.99% 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.
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 Secured

Your rate will be 12.92% APR. This APR may vary with the market
based on the Wall Street Journal Prime Rate.

Annual Percentage Rates (APR) 
for Visa Signature

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.

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 interest on purchases if you pay your entire balance 
by the due date each month.

Penalty APR

Minimum Interest Charge

For Credit Card Tips from 
the Federal Reserve

Annual Fee
Transaction Fees 
Balance Transfer 
Cash Advance 
Foreign Transaction

Penalty Fees 
Late Payment
Over-the-Credit Limit
Returned Payment
Other Fees
Card Replacement Fee

None

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/

Fees

None

None

None 
None 
Up to 1% of transaction in US dollars, dependent upon currency 
conversion requirements

Up to $24, dependent upon your outstanding balance  
None
Up to $15, dependent upon your outstanding balance 

$10 Replacement fee

How We Will Calculate Your 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 
June  1, 2015. 
This information may have changed after that date. To find out what may have changed, contact MECU. 
OTHER DISCLOSURES 
Pay-by-Phone Fee 

$5 

Credit limits are based on credit worthiness and ability to repay. *APR = Annual Percentage Rate