apr* Gotta Have It! - MemberSource Credit Union

1.00 % Gotta Have It!
apr*
[on balance transfers through February 2014 statement cycle]
NO
Balance Transfer Fee

Reasons why you gotta have a
MSCU Visa ® in your wallet:
Non-variable rates.
Standard rates don’t go up and down, so there’s no surprise rate increase
in the future. Compare our Platinum standard credit card rate with other
common credit card rates and look how much you’ll save.
Minimum repayment amounts.
As low as 2.5% of the balance or $18 per month, whichever is greater.
No balance transfer fee or cash advance fee.
You’ll start saving right away when you transfer funds to pay off those other
higher rate accounts.
Special rate of 1% apr* on balance transfers.
Pay 1% on balance transfers made between February 1, 2013 through your
July 2013 statement cycles. Plus, you’ll keep that low rate through your
February 2014 statement cycle! If you’re carrying a balance on a higher rate
credit card or other loan, now is the time to move it over to MemberSource
Credit Union. Apply online and complete the balance transfer from at
www. membersourcecu.org
SAMPLE MONTHLY TOTAL INTEREST
BALANCE RATE PAYMENT MONTHS PAID
$5000 21.99% $150.00 52 $2789.86
$5000 8.99% $150.00 39 $773.03
$7500 21.99% $150.00 137 $12944.55
$7500 8.99% $150.00 63 $1930.20
$10000 21.99% $200.00 137 $17259.13
$10000 8.99% $200.00 63 $2573.56
*APR is Annual Percentage Rate. Interest Paid is an estimate.
Balance transfer offer rates: Platinum rate 1% apr, Gold rate 1% apr, Classic rate 1% apr.
*
APR is Annual Percentage Rate and certain credit criteria applies. Standard rates are 8.99%—Platinum card,
12.90%—Gold card, 13.90%—Classic card. Minimum payment on Platinum/Gold card is 3% or $25, whichever
is more. Minimum payment on Classic card is 2.5% or $18, whichever is more.
AMENDMENT TO CREDIT CARD AGREEMENT: This is a special offer of 1.00% Annual Percentage Rate on balance
transfers that post to your account from February 1, 2013 through your July 2013 statement cycles. Your rate on
these transactions will remain the same through your February 2014 statement then it will revert back to the
non-variable rate in your Credit Agreement. However, if your account becomes (2) consecutive payments past
due, this special APR will end on the last day of the billing period that included the due date of the late payment.
Thereafter, the rate in your Credit Card Agreement will apply to the unpaid balance. Purchases or cash advances do
not qualify for the special offer. We will allocate your payments to pay off the higher APR balances first.
Example assumes equal monthly payments made until balance paid in full.