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Mid-Kansas Credit Union

Visa Application

To apply for an MKCU Visa card account, you must read the following disclosures before filling out the Visa application. 

Application and Solicitation Disclosure

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

  • Visa Classic: 10.90%
  • Visa Credit Builder: 18.99%

APR for Balance Transfers

  • Visa Classic: 10.90%
  • Visa Credit Builder: 18.99%

APR for Cash Advances

  • Visa Classic: 10.90%
  • Visa Credit Builder: 18.99%

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 http://www.consumerfinance.gov/learnmore.

Fees

Foreign Transaction Fee

1.00% of each transaction in U.S. dollars

Penalty Fees

  • Late Payment Fee - Up to $25.00
  • Over-the-Credit Limit Fee - None
  • Returned Payment Fee - Up to $15.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)."

Effective Date:

The information about the costs of the card described in this application is accurate as of: This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Classic and Visa Credit Builder are secured credit cards. Credit extended
under this credit card account is secured by various personal property and money including, but not limited to:

  • (a) any goods you purchase with this account,
  • (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares,
  • (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and
  • (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:

Late Payment Fee:

5.00% of the amount of the required minimum payment, if you are 10 or more days late in making a payment. However, the fee will not exceed $25.00.

Returned Payment Fee:

$15.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:

$10.00

By clicking the button below, I am confirming that I have read the disclosures. I understand that, if my application is approved, my interest rate may vary depending on my credit score.

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