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Credit Card Program

Mid Carolina Credit Union

NationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
7.45–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
0.8%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
14.95%
620–719
12.95%
720+
10.95%
Lowest offered7.45%
Median12.95%
Highest offered18%

Cash advance APR

No score
—
≤619
14.95%
620–719
12.95%
720+
10.95%
Lowest offered7.45%
Median—
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer fee3% (min $5)
Cash advance fee3% (min $5)
Foreign transaction fee0.8%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 5% of the amt late minimum $6.20, mas $18.50

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: point for items

Who can get this card

AvailabilityNational
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: Live, work or worship in Richland and Kershaw County

Phone1-803-432-8521
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.95%$388.50
Annual / periodic fees$0
Total yearly cost$388.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

1 document filed by Mid Carolina Credit Union in the 2026 Q1 archive.

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