VISA Credit Cards

The VISA name is trusted and accepted worldwide. But not all VISA cards are created equal. A VISA Platinum Card serves up a healthy portion of value and convenience, with a large side of satisfying rewards.

Platinum Card

Our Visa® Platinum Credit Card Offers Great Benefits!

  • Balance Transfers as low as 2.99% APR*
  • Zero Fees on Foreign Transactions
  • ScoreCard Rewards – Earn ScoreCard rewards and redeem your points for top merchandise and travel!
  • Rates as low as 8.90% APR*
  • Zero annual fee
  • VISA Purchase Alerts
  • Availability on Apple Pay, Samsung Pay, and Android Pay

Check for the chip. You may already have a chip card or may get one soon. Paying with your chip instead of your magnetic stripe brings you added security for in-store and ATM transactions. Read more - http://gochipcard.com/

Are you a current cardholder? Click below to begin the balance transfer process! 

Transfer My Balance

 

Rates and Fees

Interest Rates and Interests Charges
Annual Percentage Rate (APR) for Purchases 8.90% to 18.00%
when you open your account, based on your creditworthiness.
APR for Balance Transfers 8.90% to 18.00%
when you open your account, based on your creditworthiness.
APR for Cash Advances 7.90% to 18.00%
when you open your account, based on your creditworthiness.
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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00.
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
Annual Fee None
Transaction Fees
• Foreign Transaction

None
Penalty Fees
• Late Payment
• Over-the-Credit-Limit 
• Returned Payment


Up to $10*
None
$5**

Other Fees
• Returned Convenience Check
• Document Copy
• Card Replacement

$18**
$1
$10

*$10.00 or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. **$18.00 or the amount of the required minimum payment, whichever is less.

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 November 1, 2016. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

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 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.

 

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*APR = Annual Percentage Rate. Rates, term and conditions are subject to change without notice. Offer subject to credit approval. Introductory rate of 2.99% APR is good on balance transfers for MWDFCU Visa Platinum cardholders for the first 12 months. Rate applies only on balance transfers. All payments will be applied to balances with the highest APRs first. Your APR for all other advances will remain the same. After the promotional period ends, the standard APR for purchases will be applied to all remaining balance transfer amounts. Standard APR ranges between 8.90% - 18.00%. Credit card approval and standard APR depends on creditworthiness and other qualifications.

Offer begins July 1, 2016, but could end at any time without notice.

Home Equity
Line of Credit Rate as low as

4.25

%
APR*
New & Used Vehicle
Rates as low as

1.99

%
APR*
Fixed Rate Platinum Visa
Cards as low as

8.90

%
APR*
Personal Loans 
as low as

11.00

%
APR*
New RV Financing
as low as

4.74

%
APR*
Check out all our great rates