Massachusetts Institute of Technology Federal Credit Union Classic Credit Card

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Massachusetts Institute of Technology Federal Credit Union Classic Credit CardThe Massachusetts Institute of Technology FCU Classic credit card has generously sized credit lines and a variable interest rate that is guaranteed to not go over 18%, although it is currently set at just 10.99% APR. This classic card from MIT FCU is an unsecured credit card. As defined by the Federal Trade Commission in its “Facts for Consumers” guide, unsecured credit cards are issued to consumers with fair credit ratings and histories of responsible borrowing.

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To join the MIT FCU, you will need to be a current or past student of MIT, an employee of Massachusetts Institute of Technology Corporation, the relative of a credit union member, or qualify for membership based on employer association. Then, if you’re a Massachusetts Institute of Technology FCU member, you are automatically qualified to apply for the Massachusetts Institute of Technology Federal Credit Union Classic credit card.

Massachusetts Institute of Technology FCU Classic Credit Card Options

The Massachusetts FCU doesn’t indicate if this credit card offers an instant approval online application or what the minimum credit requirements are, but it does have several known options.

Massachusetts Institute of Technology FCU Classic credit cardholders don’t have an annual credit card maintenance fee and they pay no application fees when applying.

There is only one standard credit card design and no customization options. This credit card doesn’t have any rewards programs, but cardholders do have 25 grace days to make their payments before interest fees become due.

Massachusetts Institute of Technology FCU Classic Credit Card Rates

The standard interest rate for the Massachusetts Institute of Technology FCU Classic line of credit cards is 10.99%. There is a credit card late payment fee of $25. Expect to pay around 2% interest in foreign processing fees.

There is a default interest rate that becomes applicable when a monthly credit card payment is received after the due date. Massachusetts Institute of Technology Federal Credit Union Classic card payments that do not successfully go through will cause cardholders to incur a $25 returned check fee. Although the current interest rate is 10.99%, the credit card APR can change up to four times per year.

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