0% Introductory APR on Balance Transfers for 6 Months

Receive six (6) months of 0% APR on balance transfers when you move your high-rate credit card balances to your low-rate Spartan Visa. Once your introductory rate ends, the balance transfer rate will revert to your standard rate, between 9.9% APR and 17.9% APR.¹

 

1 APR is Annual Percentage Rate. APR of 0% is valid for six (6) months from date the Visa Credit Card 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 9.9% and 17.9%). Your Visa account must be in good standing to qualify for promotional rate. Accounts 60 days late revert to the Penalty Rate of 17.9%. This special rate is for balance transfers only and does not apply to purchases and cash advances.

Free Gift with New Spartan Visa

FREE TRAVEL MUG Receive a free travel mug when you open your Spartan Visa!1     1 Free gift is for new Spartan Visa Credit Cards only. Please allow six (6) to eight (8) weeks for delivery. While supplies last, first-come, first-served.

 

 

Spartan Credit Card Benefits

• 30,000 surcharge-free ATMs on the nationwide CO-OP Network
• No application, annual, or balance transfer fees
• $1,000,000 Travel Accident Insurance¹
• 24/7 account access
• $0 fraud liability

 

¹ Full disclosure will accompany card.

Free Access to Your FICO�® Score

To help you achieve your financial goals, you can now view your FICO^® Score in ComputerLine and on the MSUFCU Mobile app. This FICO^® Score is based on data from Experian on a quarterly basis and will not impact your credit score. We offer free access to your FICO^® Score so you can stay on top of your credit and avoid any surprises.
 

Because FICO^® Scores are based on the information in your credit reports, it is very important to make sure that the credit report information is accurate. You should review your credit report from each consumer reporting agency (CRA) at least once a year and before making any large purchases, such as a home or car.
 

You have the right to obtain one free credit report each year from each of the consumer reporting agencies through www.AnnualCreditReport.com. Please note that your free credit report will not include your FICO^® Score.
 

What are FICO^® Scores?
The credit scores most widely used in lending decisions are FICO^® Scores, the credit scores created by Fair Isaac Corporation (FICO). Lenders can request FICO^® Scores from all three major credit reporting agencies. Lenders use FICO^® Scores to help them make billions of credit decisions every year. FICO develops FICO® Scores based solely on information in consumer credit files maintained at the credit reporting agencies. Understanding your FICO^® Score can help you better understand your credit risk and allow you to effectively manage your financial health. A good FICO^® Score means better financial options for you.
 

What is a good FICO^® Score?
The score above which a lender would accept a new application for credit, but below which the credit application would be denied, is known as the “score cutoff.” Since the score cutoff varies by lender, it’s hard to say what a good FICO^® Score is outside the context of a particular lending decision. For example, one auto lender may offer lower interest rates to people with FICO® Scores above, say, 680; another lender may use 720, and so on. Your lender may be able to give you guidance on their criteria for a given credit product.
 

What are Key Score Factors?
When a lender receives your FICO^® Score, “key score factors” are also delivered, which are the top factors that affect the score. Addressing some or all of these key score factors can help you more responsibly manage your financial health over time. Having good FICO^® Scores can put you in a better position to qualify for credit or better terms in the future.
 

Visit our FAQs for more information.

Additional Credit Resources:

• AnnualCreditReport.com
Obtain one free credit report from each of the three major credit reporting agencies per year.

• View FAQs about FICO^® Scores and Understanding FICO^® Scores.¹

FICO® SCORE TERMS: Your FICO® Score and key factors are based on data from Experian and may be different from other credit scores. This information is intended for and only provided to members who have an active lending relationship with the Credit Union. Scores are provided within ComputerLine and the MSUFCU Mobile app with key factors for eligible individuals. You will see up to a year of scores starting when you start your lending relationship with us. FICO is a registered trademark of the Fair Isaac Corporation in the United States and other countries.
MSUFCU and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. MSUFCU and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.
1 Information provided may not reflect the view of MSUFCU.

Use Your Card with Apple Pay

Pay with your Spartan Visa using Apple Pay^TM

Now you can enjoy all the benefits of your Visa Credit Card using Apple Pay on iPhone 6®. Apple Pay changes how you pay with breakthrough contactless payment technology and unique security features built right into iPhone 6. So you can pay in an easy, secure, and private way.

 

• To add your Spartan Credit Card to Apple Pay, use your iSight® camera to instantly capture your card information. Or simply enter it manually. Or, just add your Visa Credit Union from your iTunes account to Apple Pay.
• To pay in stores, just hold your iPhone 6, iPhone 6+, or Apple Watch^TM near the contactless reader with your finger on Touch ID^TM. A subtle vibration lets you know your payment information was successfully sent.
• To pay within apps, checking out is as easy as selecting Apple Pay and placing your finger on Touch ID.

 

When you pay with your Visa Credit Card using Apple Pay, you still get all the benefits and securities your credit card provides.

To learn more about Apple Pay, please visit Apple’s website. 

 

Apple, iPhone, and iSight are registered trademarks of Apple Inc. Apple Pay, Apple Watch, and Touch ID are trademarks of Apple Inc.

Fraud Management

Protecting our members from fraud is a top priority for MSUFCU, your credit card provider. To give you additional card security, we use the Visa Fraud Alert Management detection system which continuously monitors your Visa Credit Card activity to help identify and prevent fraudulent transactions on your account.

If suspicious charges or transactions outside of your normal spending pattern appear on your card, you may receive an automated phone call from Fraud Alert Management on behalf of MSUFCU to verify the charges. You will be asked to verify the charges.

To verify your identity, you may be asked to provide personal information such as address, birth date and confirmation of the last four digits of your social security number. You will never be asked to provide your full social security number, Visa Credit Card number, account number, or PIN.

If Fraud Alert Management is unable to reach you directly, they will leave a message identifying themselves as Visa Fraud Alert Management calling to verify transactions made with your Visa Credit Card.

If we are unable to contact you regarding the suspicious charges on your Visa Credit Card, your card may be temporarily blocked to prevent any fraudulent activity. The block will be removed once we are able to confirm with you that the charges are legitimate.