Product	Intro Rate*
Visa Classic	10.99%
MasterCard Gold	9.99%
Visa Platinum	6.99%

Click here to view disclosures

*

Annual Percentage Rate Terms and Penalty Rate for Late Payment: If payments are 35 days late two times within a 12-month period or are ever 90 days late, a 17.99% penalty rate will apply. Grace Period: 25 days Minimum Finance Charge: $0 Late Payment Fee: 3% of balance or a minimum of $5.00, with a maximum of $10 Over Limit Fee: $10 Introductory Annual Percentage Rate is valid for the first 6 months from open date of new credit card. Rates Effective October 6th, 2008.

For a complete list of Rates and Fees click here.

Credit Cards

Get the Card. Get the Rewards. Whatever your lifestyle, SMCU has a credit card just for you. No matter where you are on the road of life—whether Which card is right for you? Find out by clicking here... Click here to apply now. just starting out on your own or enjoying the freedom of retirement—SMCU has a credit card designed for your needs. With three distinct options, you can choose the one that offers the conveniences and benefits that tie in to the way you live. Today. Tomorrow. And well into the future.

It's your life. Live it well.

Visa® Classic—A smart card for the conscientious member looking to establish credit, expand their relationship with San Mateo Credit Union, or rebuild credit all with a competitively low fixed rate.

MasterCard® Gold—A great card for those who need maximum spending power of a higher card limit at a great, low, fixed rate.

Visa® Platinum—Perfect for those who would like to combine maximum spending power with the added benefit of CURewards™. This card has it all, with a low adjustable rate.

Student Visa®— Click here for more details and to start the application process.

BENEFITS OF ALL SMCU CREDIT CARDS:

• Rewards for every dollar spent
• Low interest rates
  
• No annual fees
  
• Convenient automatic payments available
  
• Easy payment via transfers from SMCU accounts
  
• 24-hour access to credit card accounts via the Internet, Call-24, and DirectAssist
  
• Grace periods on purchases
  
• Overdraft protection*
  
• Acceptance at millions of locations worldwide
  
• Free convenience checks
  
• Instant cash at ATMs worldwide

ADDED SECURITY FROM VISA -Verified by Visa protects your existing Visa card with a personal password, so only you can use your Visa card online. Learn more…

Presenting MasterCard® SecureCode™
Get your own private SecureCode™ for added peace of mind when up shop online. Learn More

To report a lost or stolen credit card, click here.

* Standard cash advance fees apply.