MidSouth Federal Credit Union

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Visa Credit Card

At MidSouth Community Federal Credit Union, we offer the Visa® Platinum credit card, Visa® Gold card, Visa® Classic 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 Community Federal Credit Union Visa® Card. You'll enjoy the following benefits:

  • No annual fee
  • 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 Community FCU Visa® Classic, Visa® Gold, Visa® Platinum credit card.

Features Visa® Platinum & Pledge of Shares Visa® Gold Visa® Classic  
Variable Rate Information* Prime rate plus 5.65% never lower than 5.65% capped at 18.00% Prime rate plus 7.65% never lower than 7.65% capped at 18.00% Prime rate plus 9.65% never lower than 9.65% capped at 18.00%  
Annual Fee NONE NONE NONE  
Transaction Fee for Cash Advances** NONE NONE NONE  
Minimum Finance Charge NONE NONE NONE  
Grace Period for Repayment of Balances for Purchases 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  
Late Payment Fee $25 $25 $25  
Returned Check Fee $25 $25 $25  
All of the above: Late payment is effective 10 days after statement due date.


Cash Advance Fee: NONE - No grace period on cash advances
Request for Statement Copy Fee: $3.00

*Annual Percentage Rate is based on credit history. MSCFCU will use the Prime Rate published in The Wall Street Journal as of the last business day of the quarter, preceding the billing cycle, to calculate the variable rate.
* *No grace period on cash advances.

Credit Limits: Visa® Platinum - up to $15,000; Visa® Gold - up to $10,000; Visa® Classic - up to $10,000. Rates and terms are subject to change.