Purchase APR
15.90%
Annual fee
None
Foreign fee
None
SecuredNo score≤619Other
Carrying $3k for a year ≈ $477
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66
JOPLIN METRO CREDIT UNION PREFERRED CLASSIC VISA
NationalFixed rateCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
11.50%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
30 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.50%
Median11.50%
Highest offered11.50%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered11.50%
Median11.50%
Highest offered11.50%
Every fee on this card
Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
RETURNED PAYMENT FEE$25
Late fee policy: You will be charged a fee if You are 15 days or more late in making a payment. If Your minimum periodic payment is $25.00 or less, You will be charged a fee of 5.00% of the minimum payment, not to exceed $5.00. If Your minimum periodic payment is more tha
Rewards, benefits and features
Rewards
- Other rewards
Services
None reported
Features
- Chip card
- Fee-free foreign transactions
Issuer note: SCORECARD REWARDS FOR MERCHANDISE OR STATEMENT CREDIT
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone4176271000
Balance transfer
This card does not offer a balance transfer rate.
Cost to carry a balance
Interest for a year at 11.50%$345
Annual / periodic fees$0
Total yearly cost$345
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 30-day grace period avoids the interest entirely.
Cardholder agreements
2 documents filed by Joplin Metro Credit Union in the 2026 Q1 archive.
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Purchase APR
12.90%
Annual fee
None
Foreign fee
None
≤619620–719Other
Carrying $3k for a year ≈ $387
Purchase APR
10.90%
Annual fee
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Foreign fee
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≤619620–719Other
Carrying $3k for a year ≈ $327
Purchase APR
10–18%
Annual fee
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Foreign fee
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≤619620–719
Carrying $3k for a year ≈ $345