The Michigan Educational Credit Union MasterCard has basic several features and perks that are appealing to the average consumer. Its 11.9% interest rate will not change if you are late making payment and it will not increase if your credit score changes. Cardholders are eligible to receive a $250,000 travel accident insurance policy that is activated when they secure hotel accommodations, plane tickets, or rental vehicles with the Michigan Educational CU MasterCard.
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The National Credit Union Association is an organization for professionals in the financial industry and a valuable educational resource for credit unions such as the Michigan Educational Credit Union and many others. Additional education resources for consumers can be found at the official website of the Consumer Financial Protection Bureau.
Michigan Educational Credit Union MasterCard Credit Card Perks
Twice per year, payments on the Michigan Educational CU MasterCard credit card can be skipped. No payments are due during these two months, but cardholders will not be penalized for scheduling payment during these periods. This feature is completely optional.
Most credit card issuers charge consumers to receive replacement credit cards after they are lost, damaged, or stolen. Even those that offer free replacement cards often limit the number of occurrences to once or twice per a year. The Michigan Educational Credit Union MasterCard can be replaced at no cost, four times in total.
However, the fee for a replacement credit card after this maximum number of four has been exhausted is somewhat steep at $50.
Michigan Educational Credit Union MasterCard Credit Card Rates
The Michigan Educational Credit Union MasterCard’s 11.9% APR is good on balance transfers, regular purchases, and cash advances. The late payment fee for this credit card is $20, but cardholders do not have to pay extra if they go over the credit limit or initiate a payment that cannot be successfully processed.
You can also order extra copies of old credit card billing statements and other account documentation at $1 per copy. Foreign transactions are 1% of each purchase made while in another country.
Visit our credit card chaser and learn about available credit cards for FREE!
- Michigan Educational Credit Union Visa Classic Credit Card
- Michigan Educational Credit Union Visa Platinum Credit Card
- Michigan Educational Credit Union Visa Gold Credit Card
- Educational Community Credit Union MasterCard Credit Card
- Lake Michigan Credit Union Rewards Plus Platinum Visa Credit Card
- Lake Michigan Credit Union Travel Plus Platinum Visa Credit Card
- Michigan State University Credit Card