Credit Card Rates

MSECU Credit Card

MSECU Credit Card rates
Credit CardTermMonthly Periodic RateAPR*
Platinum Mastercard
(maximum $10,000)		Revolving0.8325%9.99%
Balance Transfer
9.99% APR* - 16.99% APR* 		Revolving0.9158%10.99%
Cash Advance
11.99% APR* - 18.99% APR*		Revolving1.0825%12.99%
Penalty Pricing
17.99% APR*		Revolving1.4158%16.99%
*When you are sixty (60) days delinquent in making a payment. The monthly periodic rate on your account will change to 1.4992% - 1.6658% per month which is an ANNUAL PERCENTAGE RATE of 17.99% - 19.99%. When your account is current for three (3) consecutive months, contact the credit union to apply for a rate reduction.

*APR – Annual Percentage Rate
*Accounts will be reviewed from time to time and your Monthly Periodic Rate and *APR may adjust based on your credit profile

Credit Score Rate Table

Rate table based on Credit Score
Credit ScoreRate
720-9999.99% APR*
680-71910.99% APR*
640-67912.99% APR*
001-63916.99% APR*

*APR – Annual Percentage Rate/ See Applicable disclosures at the bottom of the page.
** Maximum combined MSECU Credit Card debt cannot exceed $10,000

Disclaimers

Additional Disclosures triggered by our open-ended lending program:

Late Charge: If your monthly payment is not received within 15 days of the due date, you will be charged 10% of your outstanding loan balance or $10.00, whichever is less.