The Visa Platinum credit card from McCoy Federal Credit Union is a basic credit card that offers very competitive interest rates, the potential for a substantial credit limit, and the ability to use the card anywhere in the world that Visa is accepted. In fact, of the three traditional credit cards offered by McCoy FCU, the Visa Platinum has the lowest interest rate.
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The other cards at McCoy FCU include the MasterCard, as well as the Visa Platinum Rewards card. The latter offers many of the same benefits as the Visa Platinum but with a slightly higher interest rate. However, the Visa Platinum Rewards card offers a rewards program. McCoy FCU also makes a secured credit card available for customers who are not able to be approved for a traditional credit card.
McCoy FCU Visa Platinum Credit Card Interest Rates and Credit Limit
There is no annual fee for the McCoy FCU Visa card. In addition, depending on your individual credit score, you may be able to qualify for a credit limit as high as $30,000.
The interest rate for this credit card is based strictly on your credit score. Individuals with excellent credit and a good credit score of 760 or higher can qualify for a rate as low as 8.5% APR.
The rate increases as your credit score declines – for example, a credit score between 670 and 729 will result in an annual percentage rate of 11.5%. The highest annual percentage rate is for individuals with a credit score lower than 620. That rate is 16.5%
A good place to learn more about credit cards interest rates is the Better Business Bureau website.
Fees for the McCoy FCU Visa Platinum Credit Card
There are very few fees with the McCoy FCU Visa Platinum card. There is no fee for initiating a balance transfer, which means you can transfer the balance from a high interest credit card to your McCoy FCU Visa Platinum, and there is no credit card penalty rate. This means that if you are a late with a payment, your interest rate will not increase.
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