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VISA Traditional Credit Card Program

Maine Highlands Federal Credit Union

NationalFixed rateNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
—
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 · 1 filed doc

Detected in the CFPB-filed cardholder agreements from Maine Highlands Federal 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 offered—
Median—
Highest offered—

Cash advance APR

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

Lowest offered13.90%
Median13.90%
Highest offered13.90%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$10
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance excluding new purchases

Rewards, benefits and features

Rewards

None reported

Services
  • Automobile rental insurance
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementOther. Please Describe:
Phone1-800-882-8057
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry

This issuer did not report a purchase APR.

Cardholder agreements

2 documents filed by Maine Highlands Federal Credit Union in the 2026 Q1 archive.

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