Visa® Credit Cards

 

Your Balance Belongs Here – Transfer & Save!

From now through 3/31/26, transfer your balance to a MidSouth Community FCU Visa® credit card and enjoy

rates as low as

4.99% APR*

for 18 months

&

NO BALANCE TRANSFER FEE!

 

Visa® Platinum: Online shopping and paying concept

  • A competitive variable rate*.  View current rates.
  • Credit limits up to $40,000
  • No annual fee
  • No transaction fee for cash advances
  • No minimum finance charge
  • No balance transfer fee
  • Roadside Dispatch

Visa® Platinum REWARDS:

Rates you’ll love. Rewards you deserve!

Travel. Merchandise. Gift Cards. Cash back. Great rewards, plus low rates and NO balance transfer fees. MidSouth Community’s Rewards Visa® has benefits that provide financial flexibility and simplify money management.

  • A competitive variable rate*.  View current rates.
  • Credit limits up to $40,000
  • No annual fee
  • No transaction fee for cash advances
  • No minimum finance charge
  • No balance transfer fee
  • Roadside Dispatch

Contact Visa® at 1.800.847.2911 for general credit card inquiries, or to learn more about your card benefits.

Report a lost or stolen credit card.

Credit Card Agreement

Contact the credit union at 478.471.9946 to receive a copy of the Credit Card Agreement.

*APR = Annual Percentage Rate | The 4.99% promotional rate listed is based on the credit card type Visa® Platinum, Visa® Rewards Platinum, & Visa® Secured. Other promotional rates may be offered based on creditworthiness. The promotional APR is valid on balances transferred between February 1, 2026 – March 31, 2026. Promotional rate will apply for 18 months after the completion of the balance transfer. After the promotional period ends, the standard variable APR of Prime Rate (index) plus margin (5.65% – 11.65%) will be applied to any unpaid balances. Please note that these rates will vary with the Prime Rate. Rates and terms are subject to change without notice. Credit card approval and promotional rates depend on creditworthiness and other requirements. Offer valid for consumer credit cards only. Offer not valid on balances transferred from any existing MidSouth Community FCU Visa® credit card. Member requirements apply. For questions or complaints, please call 478.475.7819. Equal Opportunity Lender.

Variable Rate. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on the last business day of the quarter, preceding the billing cycle, of each year as published in The Wall Street Journal “Money Rates” table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index that is based on comparable information.

The Minimum Payment Due is 3.00% of your total New Balance, or $25, whichever is greater, pay any amount past due and any amount by which you have exceeded your applicable credit limit. If your total New Balance is less than $25, then your Minimum Payment Due is the amount of the total New Balance.

Apply For Loan icon

Apply For Loan

Helpful Credit Card Calculator:

This calculator is intended for informational purposes only. The rates and amounts reflected in the calculations are not a substitute for other qualifications that are required for loans.