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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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 |
