The Michigan Educational Credit Union has had a membership with the Better Business Bureau since 1998. Located in Plymouth, Michigan, this credit union was established to give members of the education industry access to financial services such as loans, mortgages, and credit cards at exceptional interest rates.
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The Michigan Educational Credit Union Visa Classic credit card has many benefits, including a complimentary travel insurance policy, as well as no annual membership fees. This business credit card also comes with a feature that allows cardholders to skip monthly payments twice per year.
Michigan Educational Credit Union Visa Classic Credit Card Terms
Coming with a credit line of at least $500, the Michigan Educational CU Visa Classic card does not come with an introductory interest rate, but cardholders do pay a low rate of 11.9% on balance transfers, purchases, and cash advances. At least $10 is due each month. The minimum amount of your monthly credit card payments will be calculated at 3% of the total balance.
Although there is not a special interest rate set for balance transfers, the Michigan Educational Credit Union Visa Classic card does allow cardholders to transfer over balances from multiple credit cards. As as added perk no annual credit card fee is due.
Michigan Educational Credit Union Visa Classic Credit Card Options
All Michigan Educational Credit Union Visa Classic accountholders have 25 billing days during which interest charges are not applicable. Payments can be scheduled or made instantly by logging onto the Michigan Educational CU Visa Classic card customer Web portal or by phoning the customer service line. Cash advances can be made by visiting an ATM machine anywhere in the world.
Other card perks include low late payment fees not to exceed $20, free replacement credit cards, and no there is no penalty interest rate on this credit card. Flat foreign transaction fees do not apply, but the total amount of charges that you make while abroad is calculated at a 1% interest rate.
Cardholders have a grace period that spans from the date credit card charges are due until the close of the month.
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