Loans & Credit
Visa Credit Card
Money One Federal Credit Union offers
three Visa credit cards to suit your needs:
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 Annual Percentage Rates Two of the lowest
fixed interest rates available: 12.9% APR for the Visa Classic
card and the secured Visa card and 9.9% APR for the Visa Platinum
card.
- 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 Anytime 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 . . .
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
12.9% 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 eZCardInfo.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.
Click here for
more information or click on the Verified
by Visa logo above to get started!
Important Information About Our Cards
| Annual Percentage Rate (APR): |
12.9%
- Visa Classic/Secured
9.9%
- Visa Platinum |
| Annual Percentage Rate for Cash Advances
(APR): |
12.9%
- Visa Classic/Secured
9.9%
- Visa Platinum |
| Grace Period for Purchases: |
You have a minimum of 25 days to repay your
balance for purchases before incurring finance charges.
Cash advances begin accruing interest immediately. |
| Balance Calculation method for Purchases: |
Average Daily Balance, including New Purchases |
| Cash Advance |
The finance charge on a cash advance will
begin to accrue on the date you obtain the cash advance. |
| Cash Advance Fee: |
3% of advance with a $5.00 minium. |
| Annual Fee: |
NONE |
| Currency Transaction Fee: |
1% of the transaction amount |
| Check Return Fee: |
Maximum Permitted by Law up to $20.00 |
| Over-the-Limit Fee: |
$10.00 |
| Late Payment Fee: |
5% minimum payment due or $10.00 whichever
is greater, if more than 10 days late. |
|