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JOPLIN METRO CREDIT UNION SECURED VISA

Joplin Metro Credit Union

Secured cardNationalFixed rateNo credit scoreCredit score 619 or less
Purchase APR
15.90%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
30 days

Contract X-Ray — what's buried in the fine print

0 red flags · 2 filed docs

Detected in the CFPB-filed cardholder agreements from Joplin Metro Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.

No arbitration, penalty-APR, deferred-interest or change-anytime red flags detected in this issuer's filed agreements.

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 offered15.90%
Median15.90%
Highest offered15.90%

Cash advance APR

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

Lowest offered15.90%
Median15.90%
Highest offered15.90%

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

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 15.90%$477
Annual / periodic fees$0
Total yearly cost$477

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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