Looking for a Good Deal?

Get 0% Introductory APR on Balance Transfers


Looking for a Great Credit Card with Low Rates?

Get a BMI Federal Credit Union Visa Credit Card and earn ZERO percent introductory annual percentage rate (APR) when you transfer your credit card balance to a BMI Federal Credit Union Visa Platinum Credit Card.

Already Have Your BMI FCU Visa Credit Card?

You can still take advantage of the Zero percent introductory APR by making a balance transfer within the next 30 days.

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The BMI Federal Credit Union Visa® Platinum Credit Card

The easy and secure way to pay everyday - with all the great benefits, you will be glad it is in your wallet.

Feel Secure When You Use Your Card

Not only can you enjoy great purchasing benefits, but you also get enhanced fraud protection and extra coverage with your BMI FCU Visa Platinum credit card:

  • 0% liability* if your card is ever lost or stolen
  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Lost/Stolen Card Reporting

*Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa.You must notify your financial institution immediately of any unauthorized use. 

Our credit cards are designed to benefit our members and their needs. We also offer a Share-Secured Visa credit card for individuals who are establishing credit. 


         


Application and Solicitation Disclosure


Interest Rates and Interest Changes
Annual Percentage Rate (APR) For Purchases

VISA Platinum and VISA Platinum Secured:
9.90% - 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
 14.99% - 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR For Balance Transfers

VISA Platinum and VISA Platinum Secured: 
0.00% Introductory APR for 6 months from the first balance transfer.

After that, your APR will be 9.90% to 17.90%, based on your creditworthiness.

Visa With Rewards and Visa With Rewards Secured:
14.99% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage Rate (APR) For Cash Advances

VISA Platinum and VISA Platinum Secured:
9.90% - 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
14.99% - 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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.

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

Fees

Annual Fee

- Annual Fee - Visa Platinum and Visa Platinum Secure

- Annual Fee - Visa with Rewards and Visa with Rewards Secured



None


$49.00

Transaction Fees

- Foreign Transaction


1.00% of each transaction in U.S. dollars

Penalty Fees

- Late Payment
- Returned Payment

 


Up to $25.00
Up to $25.00


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum and Visa Platinum Secured:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 30 days following the opening of your account. Any existing balances on BMI Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date: The information about cost of the card described in this application is accurate as of: June 19, 2018. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Platinum Secured and Visa with Rewards and Visa with Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by an specific Pledge of Shares you grant us be will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$25 of the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Annual Fee - Visa with Rewards and Visa with Rewards Secured:
$49.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

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03400649-MXC10-P-033018 (MXC101-E)


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