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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.


Apply for your MSUFCU Visa Credit Card!Whether shopping online, traveling across the country (or even across the world), or buying groceries, MSUFCU’s Platinum Visa Credit Card is the convenient low-rate card you’ve been looking for. Enjoy the simplicity, convenience, and security of a credit card that’s accepted everywhere you see the Visa logo.


Platinum Visa Card StylesPlus, receive 0% APR on balance transfers for six months. After six months, your balance transfer rate will revert to your standard rate, between 8.9% APR and 16.9% APR.1

MSUFCU’s Platinum Visa features an interest rate as low as 8.9% APR2 and offers the following benefits:

  • No application, annual, or balance transfer fees
  • $0 fraud liability
  • 24/7 access via the MSUFCU Mobile app, ComputerLine, and MoneyLine
  • Automatic Travel Accident Insurance when you use your Visa Credit Card to make travel arrangements


Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% - 16.9% based on your creditworthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 16.9%), based on your creditworthiness. 

APRs for Cash Advances 

8.9% - 16.9% based on your creditworthiness

Penalty APR and When It Applies 

17.9%  The Penalty APR is applied if your account becomes delinquent 60 days. How Long Will the Penalty Rate Apply? The Penalty Annual Percentage Rate will apply indefinitely.

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 any interest on purchases if you pay your entire balance by the due date 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)."


Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.


1 Annual Percentage Rate (APR) of 0% is valid for the first 6 months from the date the Visa Credit Card account is opened and applies only to balance transfers from another financial institution’s credit card. After 6 months, rate will revert to your standard rate, between 8.9% and 16.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

2 8.9% APR is lowest rate offered for Platinum Visa Credit Card. Rate offered is based on member’s credit score.


MSUFCU Routing Number: 272479663

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