Credit Card Rates

Interest Rates and Interest Charges
Visa Platinum OptimUM Visa Platinum Cash Rewards
Annual Percentage Rate (APR) for Purchases

8.99% when you open your account, based on creditworthiness.

After that, your APR will vary with the market based on the Prime Rate.

12.99% when you open your account, based on creditworthiness.

After that, your APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

8.99%

This APR will vary with the market based on the Prime Rate.

12.99%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

8.99%

This APR will vary with the market based on the Prime Rate.

12.99%

This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies There is no penalty APR.
How to Avoid Paying Interest on Purchases Your due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge There is no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to considers when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

 

Fees

Set-up and Maintenance Fees

  • Annual Fee

None

Transaction Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction
  • Non-UMCU/Non-CO-OP ATM Transaction
  • Overdraft Protection

No charge for balance tranfers.

No charge for cash advances.

1% of each transaction amount in U.S. dollars.

$2.00

$2.00

Penatly Fees

  • Late Payment
  • Over-the-Credit Limit

Up to $35.00

None

Other Fees

  • Replacement Card
  • Sales Draft Copy
  • Statement Copy
  • Account Research
  • Expediated Phone Payment

$5.00 for each card

$10.00

$5.00

$30.00 per hour

$10.00

How We Will Calculate Your Balance: We 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.

Click here to view the Visa Platinum OptimUM Credit Card Disclosures and Agreement.

Click here to view the Visa Platinum Cash Rewards Credit Card Disclosures and Agreement.

UMCU Online Banking loginUMCU Financial Calculators
All UMCU offices will be closed on Monday, May 30th. You may access your account through mobile and online banking.
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Federally Insured by NCUA.
734-662-8200 or 800-968-8628