Home Buying Process
There are several steps to finding and buying a home. Your challenge is to put the home buying steps in the ...
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Credit Cards > Visa Secured
Visa Secured
If you need to establish or re-establish a good credit rating, don’t get burned by “teaser rate” offers! Our Secured VISA can help you build up your credit score step by step, with:
- Credit limits from $500, backed by your share savings account
- A very affordable, fixed rate
- No sudden rate hikes or hidden fees
Protect your Visa card online with a personal password. Visa provides reassurance that only you can use your Visa card online. Learn more about the benefits of Verified by Visa.
- When traveling out of the country Please remember - Prior to traveling out of the country, please let MCT know which countries you will be visiting and the dates. We will place a memo on your account, which will prevent your Visa Check Card and Visa Card from possibly being blocked due to unusual activity in those countries.
| Visa Classic | Visa Gold | Visa Platinum | Visa Secured | Student Visa | |
|---|---|---|---|---|---|
| APR for Purchases/Cash Advances | 13.90% | 9.00%*** | 9.90% | 18.00% | 13.90% |
| Variable Rate? | N/A | ***Your APR may vary. The rate for purchases and cash advances is determined monthly by adding 4% to the Prime Rate as published in the Wall Street Journal two days prior to the beginning of the new month. | N/A | N/A | N/A |
| Grace Period for Repayment of Balance | 25 Days | 25 Days | 25 Days | 25 Days | 25 Days |
| Balance Calculation Method for Purchases/Cash Advances | Average Daily Balance (Including New Purchases and Cash Advances) | Average Daily Balance (Including New Purchases and Cash Advances) | Average Daily Balance (Including New Purchases and Cash Advances) | Average Daily Balance (Including New Purchases and Cash Advances) | Average Daily Balance (Including New Purchases and Cash Advances) |
| Annual Fees | $0 | $0 | $0 | $0 | $0 |
| Minimum Finance Charge | None | None | None | None | None |
| Late Payment Fees | $25 | $25 | $25 | $25 | $25 |
| Over-the-Limit Fees | $25 | $25 | $25 | $25 | $25 |
| Transaction Fee for Purchases/Cash Advances | $0 | $0 | $0 | $0 | $0 |
| NSF Check Return Fee | $30 | $30 | $30 | $30 | $30 |
| as of 06/01/08 12:00 AM |
- Student Visa
- Visa Classic
- Visa Gold
- Visa Platinum Plus
- Visa Secured
Apply Now
Add it up! Earn more at MCT
View our great savings rates.
