Keep track of your spending. At least once a month, use credit card, checking, and other records to review what you've purchased. Then, ask yourself ...
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Surcharge Free ATMs and Shared Branches
Enter your zip code to find a surcharge-free ATM, MCT branch, or shared credit union branch.

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:

 

  • A very affordable, fixed rate
  • Credit limits from $500, backed by your share savings account
  • No sudden rate hikes or hidden fees

 

Calculator     Apply now     Store discounts 

 

 

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 Platinum Rewards

 Visa Platinum

 Visa Secured

Student Visa 

APR for Purchases/Cash Advances/Balance Transfers

As low as  11.25%

As low as 9.25%

 18.00%

13.90% 

 Variable Rate?

  ***Your APR may vary. The rate for purchases, cash advances, and balance transfers is determined monthly by adding 8% to the Prime Rate as published in the Wall Street Journal two days prior to the beginning of the new month.

 ***Your APR may vary. The rate for purchases, cash advances, and balance transfers is determined monthly by adding 6% 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 

Grace Period for Repayment of Balance

 25 days

25 days 

25 days 

25 days

Balance Calculation Method for Purchases/Cash Advances/Balance Transfers

Average Daily Balance

Average Daily Balance 

Average Daily Balance 

Average Daily Balance 

Annual Fees

 $0

$0 

$0 

$0 

Minimum Finance Charge

 None

None 

None 

None 

Late Payment Fees

 $30

$30

$30

$30 

Over-the-limit Fees

 $30

$30

$30

$30

Transaction Fee for Purchases/Cash Advances/Balance Transfers

 $0

 $0

 $0

 $0

NSF Check Return Fee

 $30

$30

$30

$30

 Rates are current as of 01/11/2010.
 

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