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MasterCardMasterCard

Enjoy the Privileges and Convenience
JetStream Federal Credit Union's MasterCard programs are tailored to fit your lifestyle, providing you with the flexibility to handle credit the way you want and a wide range of benefits geared to saving you money.

Choose the Credit Card That's Right for You
No matter which MasterCard you choose, you'll receive all the buying power you need for less.

MasterCard Extras:

  • No annual fee
  • Points for purchases redeemable for travel and merchandise
  • Cash advances with no transaction fees
  • Credit line up to $20,000
  • Free balance transfers
  • Free travel accident insurance when you charge your travel ticket
  • Free online access to your account information

 

Secured MasterCard Extras:

  • NO annual fee.
  • Credit line equal to your secured savings
  • Savings secured as collateral earns dividends

 

Your choice MasterCard OR secured MasterCard entitles you to ALL these exciting features:

Low Rates
Our below market rates for each type of MasterCard means you save money on finance charges. It makes using credit more affordable.

25 Day Interest-Free Grace Period
There is no finance charge on purchases if you pay your balance in full by the due date of the billing statement.

Worldwide Instant Cash Access
You can use your MasterCard to get cash advances at thousands of Automated Teller Machines (ATMs) across the U.S. and around the world.

Free Balance Transfers
Save money by transferring high interest balances from other lenders to your lower interest credit union MasterCard.

Automatic Payments
Set up your account for automatic repayments from your share (savings) or checking account.

Travel Accident Insurance
You're covered automatically, at no additional cost, when you use your credit union MasterCard to charge your travel tickets on any common carrier.

Apply Today
Choose the card that's right for you. To request any of our credit cards,
simply > complete an online application.

imgOnline MasterCard Statement "Click Here"

MasterCard

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


8.65% to 18.00%
when you open your account, based on your creditworthiness.

After that your rate will vary with the market based on the Prime Rate. Prime Rate will be updated on the 1st business day of each quarter.


APR for Balance Transfers


8.65 to 18.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


APR for Cash Advances


8.65 to 18.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


Penalty APR and When it Applies


18.00%

This APR may be applied to your account after your card becomes 60 days delinquent.

How Long Will the Penalty APR Apply?

If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due and do not exceed your credit limit during that time period.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Fee

• Cash Advance
• Foreign Transaction Fee

 
None
$10.00
per ATM Withdrawal

2% of each transaction in U.S. dollars

Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment

Up to $35.00
None
Up to $35.00

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).”

 

Secured MasterCard

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


12.65% to 13.00%
when you open your account, based on your creditworthiness.

After that your rate will vary with the market based on the Prime Rate. Prime Rate will be updated on the 1st business day of each quarter.


APR for Balance Transfers


12.65 to 13.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


APR for Cash Advances


12.65 to 13.00%
 

Equal to the then current Annual Percentage Rate for Purchases. This APR will vary with the market based on Prime Rate.


Penalty APR and When it Applies


18.00%

This APR may be applied to your account after your card becomes 60 days delinquent.

How Long Will the Penalty APR Apply?

If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due and do not exceed your credit limit during that time period.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee None
Transaction Fees
• Balance Transfer Fee

• Cash Advance
• Foreign Transaction Fee

 
None
$10.00
per ATM Withdrawal

2% of each transaction in U.S. dollars

Penalty Fees
• Late Payment
• Over-the-Limit
• Returned Payment

Up to $35.00
None
Up to $35.00

How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases).”

 

 
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ncua
Federally Insured by NCUA
to at least $250,000

visa Equal Housing Lender
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