Build your credit, harness the purchasing power of Mastercard®, and enjoy competitive rates and local service with a Midland Credit Union Mastercard.
Experience the Midland Difference and save money with our low-rate Mastercard! For more details, call a loan officer at 515-645-9334 or Apply Online.
What’s new?
What’s staying the same?
What’s discontinued?
What’s a mobile wallet?
How do I use a mobile wallet?
Interest Rates & Interest Charges | Mastercard Rewards | Mastercard Savvy |
Annual Percentage Rate (APR*) for Purchases | 12.9% APR* | 9.9% APR* |
APR* For Balance Transfers | 12.9% APR* | 9.9% APR* |
APR* For Cash Advance | 12.9% APR* | 9.9% APR* |
How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
Minimum Interest Charge | If you are charged interest, there is no minimum interest charge. |
For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore |
Annual Fees | None |
Balance Transfer Fees | None |
Cash Advance Fee | $5 for advances at an ATM |
Foreign Transactions Fee | 1% of each multiple currency transaction in U.S. dollars and 1% of each single currency transaction in U.S. dollars |
Late Payment Fee | $15 |
Return Payment Fee | $31 |
How we will calculate your balance: We use the method called “average daily balance (including new purchases).”
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
OTHER DISCLOSURES:
Late Payment: Up to $15 of the amount of the required minimum payment, whichever is less, if we do not receive your payment by the due date listed on your billing statement.
Returned Payment: Up to $31 or the amount of the required minimum payment, whichever is less.
Rates, fees, and terms may change: Subject to the applicable restrictions, we may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day notice in writing and a right to opt out in accordance with applicable law.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2024 Midland Credit Union. All Rights Reserved.
3007 Oxbow Court SW
Bondurant, IA 50035
1900 W. Broadway
Council Bluffs, IA 51501
1225 Copper Creek Drive, Ste. M
Pleasant Hill, IA 50327
2891 106th Street
Urbandale, IA 50322
© 2024 Midland Credit Union. All Rights Reserved.
