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MyRate Visa Card

Cpm Federal Credit Union

RegionalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
10.99–16.99%
Annual fee
None
0% intro
2.99%
0% transfer
None
Foreign fee
1%
Grace period
22 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
16.99%
≤619
16.99%
620–719
13.99%
720+
10.99%
Lowest offered10.99%
Median13.99%
Highest offered16.99%

Introductory purchase APR

Promotional window: 6 months

The intro rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered2.99%
Median2.99%
Highest offered2.99%

Cash advance APR

No score
16.99%
≤619
16.99%
620–719
13.99%
720+
10.99%
Lowest offered10.99%
Median—
Highest offered16.99%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Replacement Card Fee$5
Expedited Replacement Card Fee$55
New Card Requested$35.50
Statement Copy Fee$2
Recover and/or Recapture Card Fee$50

Late fee policy: The lesser of $25.00, or the amount of the minimum payment due

Rewards, benefits and features

Rewards

None reported

Services
  • Debt cancellation coverage
  • Other
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityRegional
StatesGA, NC, SC
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-255-1513
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 13.99%$419.70
Annual / periodic fees$0
Total yearly cost$419.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 22-day grace period avoids the interest entirely.

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