MasterCard Standard and Gold credit cards are available at low interest rates and great payments conditions
  • No annual Fee
  • From 8.99% APR* to up to 14.99% APR* for purchases and cash advances.
  • 2.99% APR* for balance transfers for the first 6 months when opening a new account
  • Free Fraud Prevention Program
  • Free Points Reward Program. MasterCard Rewards
  • MasterCard Students up to $2,500
  • MasterCard Standard  up to $5,000
  • MasterCard Gold up to $25,000
    • Gold MasterCard benefits
      • Rent & Repair
      • Rent & Save
      • Shop & Go
      • Smart Shopper
      • Value Shopper
      • Travel Plus
      • Traveler

Apply Now!

For more information on these benefits please visit or call 1-800-622-7747.


Details of Rates, Fees and Other Cost Information

Caribe Regular MasterCard & MasterCard Gold
Annual Percentage Rate (APR)
Credit Scores APR
730-850  8.99%
700-729  9.99%
680-699 10.99%
660-679 11.99%
640-659 12.99%
Transfers of Debt Balances from other Institutions 2.99% APR The 2.99% APR will apply to the transfer of debt balances from other Institutions for the first six months (182 days) of opening the new account. After the period of six months has ended, the regular rate will apply to the balances.
Grace period for repayment of the Balance for Purchases 27 to 32 days
Grace period for repayment for cash advances 0
Method of Computing the Balance Average Daily Balance
Annual Fee 0
Annual Fee for Additional Card $10
Cash Advance Fee(also apply to transfers of debt balances and convenience checks) 2% of each cash advance: minimum $2.00 to a maximum  of $10
Charges for Returned Checks  $10.00 
Late Fee An amount equal to the minimum payment or $25.00, whichever is less


Payment Information:

We offer the free services of Caribe Online and TeleCaribe to pay your MasterCard 24/7.  Payments made to your MasterCard before 3:30pm will be reflected in your account on the following business day. Payments made after, will take two business day to appear processed in your account.

*Some restrictions may apply. Subject to credit approval and other parameters established by CFCU. Your interest rate will be determined based on your credit score.