Do More in the New Year!

At MyPoint Credit Union we help you do. Do more. Do better. Do you.

Take advantage of MyPoint's offer to help you do more in the New Year!

Get doing in a few easy steps:

Learn more about our name change.

*APR = Annual Percentage Rate. Rate subject to change without notice. Introductory APR is available on balance transfers and purchases completed by 1/31/2020 and is good through 12/31/2020. After the introductory period, your rate will revert to the rate in effect at that time based on the Wall Street Journal Prime Rate as of the 20th of the most recent month, plus a margin based upon your overall creditworthiness. Balance transfer fees during the promotional period will be 2% of each transaction. Not applicable to current credit cardholders. Membership and certain restrictions apply.

Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES Ultra VISA: As low as 2.99% introductory APR until 1/31/2020. After that your APR will be 10.49% to 17.99% when you open your account, based on your credit worthiness. After that, your APR will vary with the market, based on the Prime Rate.
VARIABLE RATE INFORMATION The APR will vary with the market, based on the Prime Rate, plus a margin. When a change in Variable Annual Percentage Rate occurs, it will become effective on the first day of the following month's billing cycle and will apply to any existing balances.
*APR FOR BALANCE TRANSFERS

As low as 2.99% introductory APR until 1/31/2020. After that your APR will be 10.49% to 17.99% for Ultra VISA.

*This APR will vary with the market, based on the Prime Rate.
*APR FOR CASH ADVANCES

10.49% to 17.99% for Ultra VISA.

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

22.00%

This APR may be applied to your account if you incur two late payment fees in a 12-month period. If your APR is increased for this reason, the Default Rate will apply until you make twelve (12) consecutive payments when due.
HOW TO AVOID PAYING INTEREST ON PURCHASES Your due date is typically 28 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. We begin charging interest on balance transfers and cash advances on the transaction date.
MINIMUM INTEREST CHARGE None
FOR CREDIT 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 https://www.consumerfinance.gov/learnmore.
Fees
ANNUAL FEE None
CARD REPLACEMENT Up to $5
TRANSACTION FEES
BALANCE TRANSFER Either $10.00 or 3.0% of the amount of each balance transfer, whichever is greater. (Balance transfer fee is 2% for balance transfers completed by 1/31/2020)
CASH ADVANCE Either $10.00 or 3.0% of the amount of each balance transfer, whichever is greater.
FOREIGN TRANSACTION 1% of each transaction in U.S. dollars
PENALTY FEES
LATE PAYMENT Up to $15
NON-SUFFICIENT Up to $15

How we will calculate your balance: We use a method called, "average daily balance (including new purchases)." See your VISA Ultra Card Agreement and Disclosure for more details.