VISA® Credit Cards

At United Methodist Connectional Federal Credit Union, we offer the VISA® Platinum credit card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a United Methodist Connectional Federal Credit Union VISA® Card. You'll enjoy the following benefits:

Earn points to redeem great merchandise and travel rewards through ScoreCard Rewards
No annual fee
25-day grace period
No balance transfer fee
No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
Free travel and accident insurance
Learn how to protect yourself against Identity Theft.
Click here to sign up for VISA Purchase Alerts.

Click here to apply for the VISA® Platinum credit card. Please click here to report a lost or stolen United Methodist Connectional FCU VISA® Platinum credit card.

Credit Disclosure

Interest Rates and Interest Charges (Information is accurate as of September 1, 2022)
Annual Percentage Rate (APR) for Purchases	Rates from 8.90% to 17.90%* when you open your account, based on your creditworthiness. This APR is non-variable and subject to change.
APR for Balance Transfers	Rates from 8.90% to 17.90%* when you open your account, based on your creditworthiness. This APR is non-variable and subject to change.
APR for Cash Advances	Rates from 8.90% to 17.90%* when you open your account, based on your creditworthiness. This APR is non-variable and subject to change.

*Rates shown are non-variable and subject to change. Your rate may vary based on individual creditworthiness and our underwriting standards.
Penalty APR and When it Applies	NONE
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each biling cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Payment	If you are charged interest, the charge will be no less than $0
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 Web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Annual Fee	NONE
Transaction Fee	Balance Transfer Fee: NONE Cash Advance Fee: NONE Foreign Transaction Fee: Up to 1% of the converted transaction amount
Penalty Fees	Late Payment Fee: Up to $25.00 Over-the-Credit Limit Fee: NONE Returned Payment Fee: Up to $25.00
Other Fees	NONE

How We Will Calculate Your Balance. We will use a method called "average daily balance (including new purchases)." See your account Agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Contact credit union for a copy of the credit card disclosure.

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