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RATES CENTER (/LEARN/RATES-CENTER)

VISA SIGNATURE REWARDS

Visa Signature Rewards

®

APPLY FOR A VISA CREDIT CARD (/products-services/loans/online-loan-applications)

Our options include:

• Visa Platinum Points Choice Rewards Credit Card (/learn/rates-center/visa-platinum-points-choice-rewards)

®

• Visa Platinum Rewards (/learn/rates-center/visa-platinum-rewards)

®

• Visa Platinum Secured (/learn/rates-center/visa-platinum-secured)

®

• Visa Platinum Low Rate (/learn/rates-center/visa-platinum-low-rate)

®

• Visa Signature  Rewards - See Below

®

Visa Signature  Rewards Disclosure

®

Annual Percentage Rates (APR) for Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When It Applies

How to Avoid Paying Interest on Purchases

INTEREST RATE AND INTEREST CHARGES

13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.
13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.
13.50% to 18.00%
This APR will vary with the market based on the Prime Rate.
18.00% If your account becomes 60 days delinquent.
How long will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR will be applied to 
your balances for a minimum of six (6) months or payment cycles.

Your due date is approximately twenty-five (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. We will begin charging interest on cash advances and 
balance transfers on the transaction date.

For Credit Card Tips from the Consumer 
Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial 
Protection Bureau at http://www.ConsumerFinance.gov/LearnMore (http://www.consumerfinance.gov/learnmore).

Annual Fees

Balance Transfer

Cash Advance

Foreign Transaction Fees

ATM Transaction

Late Payment

Over Limit Fee (Opt In)

Return Payment

Card Replacement

Returned Statement

Transaction Fees

None
$0.00 or 3% of the amount of each transferred balance that posts to your account at a promotional APR that we may offer 
you.

5% of the amount advanced. Minimum advance amount of $20.00

None

None

Penalty Fees

Up to twenty-seven dollars ($27.00) the first time, any subsequent violation within six (6) months up to thirty-seven dollars 
($37.00). This applies to payments received after five (5) days from the due date.

Up to $15.00

Up to $20.00

$10.00

Other Fees

You will be charged one dollar ($1.00) for each monthly billing statement that is returned.

Copies of Visa Transaction Receipts and 
Statements

You will be charged three dollars ($3.00) for each copy you request of a receipt for any purchase, credit, Cash Advance, or of a 
monthly billing statement (except in connection with the resolution of a billing error).

Card S
s

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*APR=Annual P

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How We Will Calculate Your Balance: We use a method called "average daily balance" (Including new purchases). See your account agreement for further information regarding how 
we calculate your balance. The above rates and fees are current as of November 1, 2019. The variable APRs are based on the current Prime Rate of 4.75%.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided on your monthly account statement.

Cash Rewards Information: Your Members 1st FCU Visa Signature  Rewards card will earn 1.5% cash rewards on all new qualifying net purchases (less credits, returns and 
adjustments). Balance Transfers, Cash Advances, purchasing of money orders or cash equivalents (including ATM advances) are not eligible for cash rewards. Should your account 
become 90 days or more delinquent or fall out of good standings any and all accumulated cash rewards will be forfeited.

®

Cash Rewards Redemption Options: Outline ScoreCard Rewards redemption options, minimum redemption amount $25.00, Non-Expiring Rewards, web site information, at 
ScoreCardRewards.com (http://www.scorecardrewards.com).

®

ScoreCard Bonus Point Program: Account holders earn one (1.5) Bonus Point for every one dollar ($1.00) of qualifying credit card purchases. For more details on how your points 
are earned and redeemed please visit ScoreCardRewards.com (http://www.scorecardrewards.com).

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of 
consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate 
must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit 
transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain 
participation fees for a credit card account). The audio version of this disclosure can be heard by calling 1-800-309-1766 (tel:18003091766).

View Credit Card Agreement (/products-services/card-services/credit-card-agreement)

Quick Links

 5000 Louise Drive, PO Box 40

Mechanicsburg, Pennsylvania 17055

ATM & Branch Locations (/contact-us/branch-atm-locator) · 

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 (800) 283-2328

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© 2020 Members 1st FCU. All Rights Reserved.

Routing Number: 231382241

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We do business in accordance with 

the  Federal Fair Housing Law and 

Equal Credit Opportunity Act.

(http://portal.hud.gov/hudportal/HUD)

This credit union is federally 

insured by the  National Credit 

Union Administration.

(http://www.ncua.gov/Pages/default.aspx)

Members 1st FCU is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility 

and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (800) 237-7288 (tel:+18002377288). All 
products and services available on this website are available at all Members 1st branch locations (/member-branches).

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