VISA® Credit Cards

Classic Card:

• Credit limit ranges from $500 to $5,000
• 10.99% APR*
• Quarterly variable rate

Platinum Card:

• Credit limit ranges from $5,000 to $15,000
• 8.99% APR*
• Quarterly variable rate
• Qualification is based on your credit score and income

Features:

• No annual or monthly fee
• Competitive interest rate
• Revolving line of credit
• 25 day interest-free grace period on new purchases
• Same APR applies to balance transfers and cash advances, although there is no grace period before interest begins to accrue
• Option to secure your card by pledging funds from your MITFCU share accounts, qualifying you for an even lower fixed interest rate
  • APR for Secured Platinum**
  • APR for Secured Classic**

Benefits:

• Option to set up automatic payments so you won't have to deal with a monthly credit card bill
• Online purchase security program
• Fraud protection provided by a zero liability policy
• Anytime online account access through MyCardInfo - make a payment, check your available credit, view your current balance, and access previous statements
• 90 day product protection on property purchased with your Visa that is lost, stolen, or damaged; includes your manufacturer's warranty for up to one year from the purchase date
• Balance transfers enable you to stop paying a higher interest rate on your other credit cards
• ATM access for cash advances
• Auto rental collision damage waiver

Disclosure Information:

• Visa Platinum Disclosure
• Visa Classic Disclosure
• Visa Platinum Secured Disclosure
• Visa Classic Secured Disclosure
   

 If you have a general question regarding your credit card, please review our Frequently Asked Questions.

If you'd like to open a Visa Credit Card, please complete our easy online application. We also offer a printable application if you'd prefer this method. Documentation: Please send us a copy of your pay stub, Form W-2, or income tax return for income verification purposes.

*APR = Annual Percentage Rate. The Annual Percentage Rate is subject to change on the statement cycle date of each quarter (January, April, July & October) to reflect any change in the Index and will be determined by the Prime Rate ten (10) days prior to the first day of the first month of the new quarter found in The Wall Street Journal “Money Rates” table plus 5.74% (Platinum) and 7.74% (Classic). Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information.The APR will never be greater than 18%. 1% finance charge applies to all foreign transactions.

**If you give the Credit Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares in your Savings Account will secure your Visa Account. You may not withdraw amounts that have been specifically pledged to secure your Visa Account until the Credit Union agrees to release all or part of the pledged amount.

 Online Share Secured Visa Application