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MSUFCU | Personal | Credit Cards

Financial Freedom with MSUFCU Visa Cards

MSUFCU Visa Credit Cards are the ideal go-to card for everyday purchases, emergencies, or as a backup to protect your checking account from overdrafts. Choose the card that’s right for you – enjoy our lowest rate with MSUFCU’s Platinum Visa or earn cash back with MSUFCU’s Platinum Plus Visa.


Credit Rebuild VisaMSUFCU's Credit Rebuild Visa is designed for members who need assistance rebuilding their credit. This credit card is unique in that it allows you to build a positive credit history from the start by paying down the credit card's balance.

After three years of making on-time payments to your Credit Rebuild Visa, you can graduate to MSUFCU's Platinum Visa Credit Card!

An MSUFCU loan officer will be happy to discuss if the Credit Rebuild Visa is right for you and how this card can help you get your credit back on track. Contact us with any questions you may have about MSUFCU's Credit Rebuild Visa.


Credit Rebuild Visa Features

  • Credit limits from $1,000 to $2,5001
  • 17.9% APR
  • No annual fees
  • 24/7 account access with ComputerLine and Green on the Go® mobile banking
  • Build a positive credit history
  • Improve your credit score


Credit Rebuild Visa Requirements

  • Verified income
  • Suitable net disposable income
  • Restricted savings account with an amount equal to the member's credit limit
  • Card will be issued for three years
  • Must make on-time payments each month
  • Failure to pay 30 days past the Credit Rebuild Visa's due date will result in automatic cancellation of the card


Restricted Savings Account — Three Ways to Fund Your Credit Rebuild Visa

  • Member provides full credit limit amount — e.g., for a $1,000 limit, member deposits $1,000 to restricted savings account.
  • Member provides a portion of the credit limit and MSUFCU funds the rest from an advance from the Credit Rebuild Visa. Your Credit Rebuild Visa available limit will be reduced by the amount advanced.
  • MSUFCU advances the full credit limit. Credit Rebuild Visa will have no available limit until you begin making payments to your Credit Rebuild Visa.



Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


APRs for Balance Transfers


APRs for Cash Advances 



How to Avoid Paying Interest
on Purchases


Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at



Transaction Fees

  • International transaction and cash advance fees

1% for ATM transactions
3% for all other transactions calculated after the transaction has been converted to U.S. dollars

Penalty Fees

  • Late Payment

$25 if the minimum payment due is $25 or more;

$15 if the minimum payment due is $15 to $24.99; or

$0 if the minimum payment due is less than $15.

Other Fees 

  • Returned Convenience Check


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."


Credit limit based on member's credit score. Funds for approved credit limit placed in a restricted savings account.


MSUFCU Routing Number: 272479663

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