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MasterCard - an economical, no frills credit card that offers:
- Low Variable Interest Rate - click here for current rate
- Credit Limit - Qualified members may receive approval for up to $10,000 available credit.
- Annual Fee - low $12 annual fee will be charged when your MasterCard account is opened. The fee will be charged each subsequent year on the anniversary date.
- Grace Period - none, but with the lower rate, in most cases, card holders who do not pay off their balance each month will realize an interest savings when compared to other bank cards.
- Easy Payments -The minimum monthly payment is 2% of the outstanding balance or $25, whichever is greater. This means a monthly payment that fits into most budgets and allows for greater payment flexibility.
- ATM, PAM, & NYCE Access - Credit Union MasterCards come with their own PIN and may be used to withdraw cash, make deposits, transfer funds, make payments and balance inquiries at Credit Union PAMs/ATMs, NYCE locations, as well as CIRRUS and participating POS locations.
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Maximum Aggregate Unsecured Amounts:
- "Maximum Aggregate Total" per member is $20,000 when there is at least $10,000 VISA/MC Gold limit.
- "Maximum Aggregate Total" per member is $10,000 when there is no VISA/MC Gold limit.
- "Maximum Aggregate Total" means any Readi-Reserve limit, plus any VISA limit (Classic or Gold), MasterCard plus any unsecured balances.
- A member may not have a Classic VISA/MC limit and a VISA Gold/MC limit at the same time.
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