A Credit Card Shouldn't Be Complicated.  And MembersOwn Credit Union's VISA credit cards are simple- low rates, minimal fees** and no surprises!  Really!  Call the office nearest you for an application!***

• Platinum Preferred VISA cards available
• Low, Fixed Rates
• 0% APR* on Balance Transfers for the first 6 months after the account is open
• 8% - 18% APR* Fixed Rate
• Cash Back Rewards cards available
• No annual fee**
• No minimum balances
• No transaction fee**

Minimum payment 3% of balance, 25 day grace period on purchases if paid in full.

*APR: Annual percentage rate is a fixed rate and cannot change.

**Fees: $1.50 for ATM cash advances, $20 late payment fee; $25 returned check payment fee.

***Must be a member in good standing, creditworthiness determined by ability to repay. Contact the credit union for more information. These disclosures are accurate as of 01/01/2013. Terms subject to change.