Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APPLICATION AND 
SOLICITATION 
DISCLOSURE  

VISA TITANIUM/VISA CLASSIC/MSGCU REWARDS 

Visa Titanium 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 9.75%. 

Visa Classic 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 12.75%. 

MSGCU Rewards 
                               when you open your account, based on your 
10.750% to 18.500%
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

APR for Balance Transfers 

Visa Titanium 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 9.75%. 

Visa Classic 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 12.75%. 

MSGCU Rewards 
                               when you open your account, based on your 
10.750% to 18.500%
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

APR for Cash Advances 

Visa Titanium 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 9.75%. 

Visa Classic 
2.99%    

Introductory APR until August 31, 2020.

After that, your APR will be 12.75%. 

MSGCU Rewards 
                               when you open your account, based on your 
10.750% to 18.500%
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02108052-MXC10-C-2-072919 (MXC101-E) 

  
  
 
 
 
  
  
 
 
   
 
 
 
 
   
 
 
 
 
 
   
 
  
 
 
 
 
   
 
 
  
  
 
 
   
 
 
 
 
 
 
 
 
   
         
 
 
 
 
 
 
   
         
Penalty APR and When it Applies 

Visa Titanium  
None 

Visa Classic 
None 

MSGCU Rewards 
None 

How to Avoid Paying Interest on 
Purchases  

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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.   
None 

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 
- Annual Fee  

Transaction Fees 
- Balance Transfer Fee  
- Cash Advance Fee  
- Foreign Transaction Fee  
Penalty Fees 
- Late Payment Fee  
- Over-the-Credit Limit Fee  
- Returned Payment Fee  

None 

None 
None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
None 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 

Promotional Period for Introductory APR - Visa Titanium, Visa Classic: 
The Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your account 
from 09/01/2019 until 12/31/2019. Any existing balances on Michigan Schools and Government Credit Union loan or credit 
card accounts are not eligible for the Introductory APR. 

Effective Date: 
The information about the costs of the card described in this application is accurate as of:    
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

November 01, 2019

For California Borrowers, the Visa Titanium, Visa  Classic and MSGCU Rewards are secured credit cards. Credit 
extended under  this  credit card  account is secured by various  personal  property and  money  including, but not 
limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for 
this account on a separate Pledge of Shares, (c) all  shares  you have in any individual or joint account with the 
Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special 
tax treatment under  state or  federal law, and (d) collateral  securing other loans  you have with the Credit  Union 
excluding  dwellings.  Notwithstanding the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when 
you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge 
of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the 
Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account 
when you are not a covered borrower; or (ii) you cease to be a covered borrower. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about your account. 
02108052-MXC10-C-2-072919 (MXC101-E) 

  
  
 
 
 
 
 
 
 
      
       
 
    
    
 
 
  
 
   
      
 
 
     
  
 
 
 
 
      
 
 
  
 
 
  
 
 
     
 
 
 
 
 
Other Fees & Disclosures:    
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if  you are 25  or more days late in making a 
payment.  

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  

Card Replacement Fee: 
$5.00.  

Document Copy Fee: 
$6.00.  

Rush Fee: 
$15.00. 

Statement Copy Fee: 
$2.00.  

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02108052-MXC10-C-2-072919 (MXC101-E)