Along with the Tinker Federal Credit Union Visa card, the TFCU MasterCard offers a unique interest rate program that allows you to control what annual percentage rate you pay each year. In addition, the TFCU MasterCard comes with a low introductory annual percentage rate, the option for no annual fee, and the support of an established and financially strong credit union.
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In addition to the TFCU MasterCard and the TFCU Visa card, the credit union also offers a Visa Platinum card as well as a Gold MasterCard. All of the cards available through TFCU include a special introductory annual percentage rate for the first six months that the credit card account is open.
Interest Rates and Fees for the TFCU MasterCard
The interest rate for the first six credit card billing cycles is only 3.99%. This is valid on all purchases, but does not include cash advances and balance transfers. Following the six-month introductory period, the rate increases based on whether or not you want to pay the annual fee.
The annual fee for the TFCU MasterCard is $25 and, if you pay that, your fixed interest rate will be at one of three levels based on your credit score – 8.15%, 9.15%, or 10.15%.
However, if you decide not to pay the annual fee, your interest rate will be slightly higher – 8.75%, 9.75%, or 10.75%.
The best option obviously depends on the individual. If you pay your balance off each month, then the highest interest rate most likely will not matter. However, if you carry a large balance, you may find that the annual $25 fee will help you save a lot of money in interest over the course of a full year.
Building up too much credit card debt is a major problem with many Americans. It is important to learn ways to manage your credit cards wisely. Visit Suze Orman’s website for additional information.
Other Benefits of the TFCU MasterCard
If you have a checking or savings account with TFCU, you can make your credit card payments automatically. This can help avoid paying late credit card payment fees, which can be as high as $22.
In addition, the TFCU MasterCard offers complete fraud protection, so if your card is lost or stolen you will not be held responsible for unauthorized credit card charges.
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