1 Annual percentage yield (APY) rates vary. Deposits can be made by payroll deductions or automatic transfer with the exception of initial deposit. Withdrawals can only be made during the months of May, June, July, and August. Funds will be transferred automatically to your MSUFCU checking or savings account.

2 You will receive $100 once you spend $5,000 on net purchases within the first 3 months after MSUFCU Visa Signature Credit Card approval. Purchases must post to your account within the first 3 months. Once you qualify for this bonus, we will apply it to your Visa Signature cash back account within 45 days. Qualifying purchases exclude tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Returns or other reversals of purchases conducted within the first three months will be excluded. Account must be in good standing to receive $100. Account is not in good standing if closed or suspended. If the account is closed by either you or by the Credit Union for any reason prior to the $100 bonus being applied to your cash back account, the bonus will be considered to have been forfeited. This one-time $100 offer is valid for new, first-time MSUFCU Visa Signature cardholders only. This offer may be canceled at any time without notice. Visit msufcu.org/visasignature for full terms and conditions

3 Cardholders will earn the following cash back rewards: 3% on groceries; 2% on gas, travel (airlines, hotels, motels, resorts, taxi/limo, and car rental) and universities; and 1% on all other purchases for every one U.S. dollar in eligible net purchases made on their VISA Signature Credit Cards, rounded to the nearest whole dollar. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to amount returned. Negative cash back will be given if returns or credits exceed purchases. Certain restrictions, limitations, and exclusions apply. Visa Signature Credit Card has a $10,000 minimum limit. View full Visa Signature pricing and terms: https://media.msufcu.org/publicsites/publicsite/documents/kv2vu8jnzbgif2mkdp07.pdf