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 |
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**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.






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