MidSouth Federal Credit Union
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Visa Credit Card

At MidSouth Federal Credit Union, we offer the Visa® Platinum credit card, Visa® Gold card, Visa® Classic card and the Secured Visa® card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a MidSouth Federal Credit Union Visa® Card. You'll enjoy the following benefits:

  • No annual fee
  • Secured and unsecured fixed rates
  • 25-day grace period
  • No transaction fee on cash advances from your credit union (interest accrues from the day of the advance)
  • Free travel and accident insurance
  • Optional life and disability insurance available at low rates

Apply TODAY for your MidSouth VISA Credit Card.

Please click here to report a lost or stolen MidSouth FCU Visa® Classic, Visa® Gold, Visa® Platinum or Secured Visa® credit card.

Features Visa® Platinum Visa® Gold Visa® Classic Secured Visa®
Annual Percentage Rate for Purchases and Cash Advances* 7.9% 9.9% 11.9% 7.9%
Penalty Rate** 11.9% 14.9% 15.9% N/A
Annual Fee NONE NONE NONE NONE
Transaction Fee for Cash Advances* NONE NONE NONE NONE
Minimum Finance Charge NONE NONE NONE NONE
Grace Period for Repayment of Balances for Purchases 25 DAYS 25 DAYS 25 DAYS 25 DAYS
Method of Computing the Balances for Purchases Average Daily Balance Including New Purchases Average Daily Balance Including New Purchases Average Daily Balance Including New Purchases Average Daily Balance Including New Purchases
Over Credit Limit Fee $10 $10 $10 $10
Late Payment Fee 15% of payment due 15% of payment due 15% of payment due 15% of payment due
All of the above: Late payment is effective 10 days after statement due date.

Visa® Classic, Visa® Gold and Visa® Platinum Late Payment Fee: 15% of payment due effective 10 days after payment due date
Secured Visa® Late Payment Fee: 5% of payment due or $5, whichever is greater.
Cash Advance Fee: NONE - No grace period on cash advances
Over-Credit-Limit Fee: $10.00
Request for Statement Copy Fee: $3.00
Card Replacement Fee: $5.00

**Terms: If at any time you fail to keep your account in good standing as described in the Credit Card Disclosures section of the Loanliner Addendum, the APR will be adjusted as follows: 11.9% APR for Visa® Platinum, 14.9% APR for Visa® Gold, and 15.9% for Visa® Classic. Credit Limits: Visa® Platinum - up to $15,000, Visa® Gold - up to $10,000, Visa® Classic - up to $5,000, and the Secured Visa® - up to the Deposited Amount Rates and terms are subject to change.
*No grace period on cash advances.