Money One Federal Credit Union offers
three Visa credit cards to suit your needs:
A Visa Platinum card
A Visa Classic card
A secured Visa card (for those just
starting out or trying to rehabilitate their credit records)
Our Visa Platinum and Classic both offer a 1% rebate up to $100 for balances transferred from another financial institution's credit card.
What Makes Our Cards Better Than Other
Cards?
Low Variable Annual Percentage Rates — interest rates available: as low as prime +3.50% for the Visa Platinum, Classic and Secured.
No Annual Fee — You don’t have to pay for the privilege of carrying our cards.
A 25-Day Grace Period — If your previous balance is zero and you pay off the new balance within 25 days of the closing date, we won’t charge you any interest. You’ll pay interest only on amounts carried forward. (Cash advances do not have a grace period.)
Worldwide Acceptance — Visa is readily accepted worldwide. Use it for identification, too.
Free Travel Accident Insurance — Any time you purchase tickets for a trip and charge the purchase to your Money One VISA card, you’ll automatically get free travel accident insurance.
What Makes the Platinum Card So Special?
Our Visa Platinum card offers these advantages over our other cards:
Warranty Services — To protect your purchases with your Visa Platinum card, a warranty registration service, extended warranty protection and extended service agreements are available.
Auto Rental Insurance — Many Visa Platinum cardholders who use their cards for car rentals are eligible for free theft and collision insurance.
Travel and Emergency Assistance — Visa Platinum cardholders can call the Visa Assistance Center any hour of the day or night. It can put you and your family members in touch with all sorts of emergency services all over the world. There is no charge for this service.
Higher Credit Limits — From $5,000 to $35,000.
Fee-Free ATM Withdrawals — You can use your Money One VISA card to get cash from any automated teller machine in the international Visa Plus network. While interest is charged, there is no transaction fee.
So Your Credit’s Not So Hot … Get a Secured Visa Card.
Even if you have no credit record or your credit is in need of repair, you may still qualify for a secured Visa card. A secured Visa looks and acts like a Visa Classic card—it has the same great as low as prime +3.50% rate and there’s no annual fee. The only difference is that you must maintain a share account balance equal to 120% of your credit limit. So, for example, if you have a credit limit of $300 you need to have $360 in your share account.
Getting Visa Info Online
When you have a Money One Visa card, you have access to information about your account 24 hours a day online. Visit gotomycard.com to view account information from the privacy of your own personal computer.
Now you can protect your Money One Visa Credit Card and Debit Check Card with a password when shopping online! Your Verified by Visa password helps ensure that only you can use your Visa Credit or Check card number to buy online.
Variable Annual Percentage Rate (APR) for Purchases.
APR based on certain credit criteria. APR may be reviewed and changed twice a year based on credit history.
As Low as Prime + 3.5%*
Method of Computing the Balance for Purchases
Average Daily Balance
(including new purchases)
Grace Period for the Repayment of Balance for Purchases
25 days from statement
closing date
Cash Advance APR:
16.99%
Balance Transfer APR:
16.99%
A finance charge of 3% per balance transferred (minimum of $5.00) will be charged for each balance transfer requested.
**Special Promo
Aug. 15 - Oct. 15
Balance Transfer APR:
5.90% APR
for the Life of the Balance
No Balance Transfer Fee.
Annual Fee:
NONE
Late Payment Fee
$5
$15
$25
Tiered based on balance:
Under $100
$100 – $500
Greater than $500
Minimum Payment:
Interest + Fees + 1% of balance
Minimum Finance
Charge
$1
Over the Limit Fee
$25 any time your account
balance exceeds your approved
limit
Foreign Currency
Transaction Fee
1% of the transaction amount
Cash Advance Fee
A finance charge of 3% (minimum of $5.00) will be charged for each cash advance made. Cash advances are limited to 50% of your credit line.
This disclosure information is accurate as of 9/25/09 and is subject to
change. You can write Money One FCU at PO Box 6398, Largo, MD
20792-6398 or call 301-925-4600 or 800-638-0232 to inquire about
any changes that may have occurred after the listed date. For additional
terms and conditions, refer to our VisaŽ Credit Card Agreement.
*Rate is tied to Prime. Prime rate = 3.25% as of 12/16/2008.
Branch Locations
Main Branch: 9800 Technology Way, Largo, MD 20774
College Park: 6107 Greenbelt Road, College Park, MD, 20740
Mailing Address: PO Box 6398, Largo, MD 20792-6398
301-925-4600 • 800-638-0232 (toll-free) • 301-925-9077 (fax)
