Meritrust Federal Credit Union Member Select Visa | Consumer Financial Protection Bureau

Nationwide

Availability

Eligibility requirements

This card is from a credit union, a not-for-profit, member-owned institution that you must join before applying for the card. Check with the credit union for membership requirements, which typically include living in certain areas or working for certain employers.

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

Web

meritrustcu.org

Phone

(800) 342-9278

Did you know: This card is from a credit union, which often offer lower interest rates and could save you hundreds of dollars per year.

Purchase interest rate and fees

9.75% – 17.99%*

*As of Dec. 31, 2024. Advertised purchase APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	17.99%	1 dollar sign symbol Pay less interest
620-719	15.99%	1 dollar sign symbol Pay less interest
720+	9.75%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: None
Minimum finance charge: No minimum interest payment is required to avoid additional fees
Grace period: None, interest begins accruing on purchases immediately
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$0

Late fee: $28.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Over-limit fee: $28.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee: $28 ($28.00 or the amount of the required minimum payment, whichever is less.)

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Card features

Contactless Payments
Chip card
Fee-free foreign transactions
Mobile wallet provisioning (for example, Apple Pay)

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

9.75% – 17.99%*

+

3% ($8 minimum)

*As of Dec. 31, 2024. Advertised cash advance APRs change over time and are specific to the applicant, based on your credit score. Check rates before applying.

Here are typical cash advance APRs for different credit scores for this card:

Credit score	Median cash advance APR
619 or less	17.99%
620-719	15.99%
720+	9.75%

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.