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Disclosures The Spartan Visa Credit Card is offered and maintained by MSU Federal Credit Union. Disclosures for your Spartan Visa are below. You will need a PDF reader to view the disclosures. Visit adobe.com/acrobat to download the latest version of Adobe Acrobat.

	Credit Card Agreement with Michigan State University		Fee Schedule
	Visa Credit Card and Membership Agreement		Truth-in-Savings Disclosure
	Membership and Account Agreement		Travel Accident Insurance
	Electronic Correspondence Disclosure & Agreement		Auto Rental Collision Damage Waiver
	Electronic Fund Transfer Agreement and Disclosure		Privacy Policy
	Multi-Featured Loan Agreement

This website is administered by Michigan State University Federal Credit Union. Michigan State University Federal Credit Union savings are federally insured to at least $250,000 by the NCUA APR = Annual Percentage Rate. View our Privacy Policy and read our disclaimer regarding links to other sites. Copyright © 2015 Michigan State University Federal Credit Union. All Rights Reserved.

1 Annual Percentage Rate (APR) of 0% is valid for the first six (6) months from the date the Visa Credit Card account is opened, and applies only to balance transfers from another financial institution's credit card. After six (6) months, rate will revert to your standard rate, between 12.9% and 17.9%. Accounts 60 days late revert to the penalty rate of 17.9%. Introductory APR does not apply to purchases, cash advances, or delinquent loans.

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