MSUFCU Visa Signature Credit Card Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

APRs for Balance 
Transfers

APRs for Cash Advances

14.9% to 17.9% 
based on your creditworthiness

14.9% to 17.9% 
based on your creditworthiness

14.9% to 17.9% 
based on your creditworthiness

Penalty APR and 
When It Applies

17.9%
The Penalty APR is applied if your account becomes delinquent 60 days.

How Long Will the Penalty APR Apply? The Penalty Annual Percentage Rate 
will apply until you make six (6) consecutive minimum on-time payments and 
the line of credit is current.

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. 

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

Fees

Annual Fee

$99; waived the first year and charged on the anniversary date.

International 
Transaction Fees

None

Cash Advance Fee

$0

Penalty Fees
•  Late Payment

$25 if the minimum payment due is $25 or more;
$15 if the minimum payment due is $15 to $24.99; or
$0 if the minimum payment due is less than $15.

Other Fees
•   Returned Convenience 

$25

Check

How We Will Calculate Your Balance:  We use a method called “average daily balance (including new 
purchases).”

Loss of Introductory APR:  We may end your introductory APR and apply the Penalty APR if your account 
becomes delinquent 60 days.