11/2/21, 10:36 AM

Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

  >  Personal (/personal)  >  Credit Cards (/personal/credit-cards)

>  Cash Back Visa® Signature (/personal/credit-cards/cash-back-visa-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 October 26,

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.

• You have 25 days to repay your balance for purchases in full by the

payment date on your periodic billing statement.

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

• 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.

• 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:

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

• 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)

Routing Number: 211880271

NMLS Number: 460131

Find a Branch/ATM or Contact Us (/nd-branchatm)

Disclosures (/disclosures)

Wire Transfers (/wire-transfers)

Security (/security)

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Cash Back Visa® Signature Credit Card Details & Disclosures | UMassFive

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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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