VISA® Credit Cards

Visa Credit Cards from Members Choice CU offer a unique and advantageous option for individuals seeking financial services. Our credit union offers Visa Credit Cards to reflect our member-centric approach by providing competitive interest rates, lower fees, and personalized customer service.

As a credit union, Members Choice CU offers educational resources and financial counseling to our members, empowering you to make informed decisions and improve their financial well-being. With our emphasis on member satisfaction, competitive rates, and tailored benefits, Members Choice CU’s Visa Credit Cards provide a compelling alternative for individuals looking for a more community-oriented and rewarding credit card experience.

 

MCCU VISA® Credit Cards


When it comes to meeting diverse financial needs, there are four types of credit cards that provide a comprehensive solution. These cards offer a range of benefits ensuring that cardholders can earn rewards as they spend. Furthermore, with a robust Zero Liability policy in place, individuals can rest easy knowing they are protected from unauthorized transactions.


  • Four types of credit cards to meet anyone's needs
  • Zero Liability policy for unauthorized transactions
  • No balance transfer fees
  • Low rates: An average credit card APR that's 5% lower than the industry average.*

    • Platinum VISA®


    • Global acceptance through the Visa payment network
    • Low interest rate compared to the industry average
    • No annual fee or balance transfer fees
    • Enhanced security measures and Zero Liability policy for unauthorized transactions
    • Provides financial flexibility and cost-effective borrowing
    Platinum VISA® 8.99%
    APR*

    Preferred VISA®


    • Personalized customer service and community focused-values
    • Access to the Visa payment network for global acceptance
    • No annual fee or balance transfer fees
    • Low rates: An average credit card APR that's 5% lower than the industry average.*
    Preferred VISA® 10.99%
    APR*

    Classic VISA®


    • Personalized customer service and community-focused values
    • Access to the Visa payment network for global acceptance
    • No annual fee or balance transfer fees
    • Low rates: An average credit card APR that's 5% lower than the industry average.*
    Classic VISA® 12.99%
    APR*

    Secured VISA®

    $100.00 minimum deposit into your savings account (before submitting your application) to back your spending. Once approved, the deposit will determine your card's credit limit.

    • You'll earn rewards like any other credit card, and you'll earn dividends on your hold, just like any other savings account
    • This card is best for:
    • Establishing credit
    • New credit card users
    • Rebuilding credit

    Transfer & Save

    Transfer balances from other credit cards to your Members Choice Credit Union credit card and save big.

    • 0% APR on transferred balances for 12 months
    • Any unpaid balance after 12 months goes back to our standard low rate
    • 0% balance transfer fee
    • Unlimited balance transfers
    • Transfers can be made anytime

    How a Balance Transfer Works

    A balance transfer moves your existing balance from one credit card to another. Balance transfers are a great way to:

    • Reduce your interest rate
    • Consolidate debt into one easy payment
    • Pay off balances faster
    • Potentially save hundreds, even thousands, in interest

    10% APR Offer: 0% APR valid for balance transfers initiated anytime. Any balances transferred will remain at 0% APR for 12 billing cycles. After that, any unpaid balance will return to your standard variable APR rate (6.99%-9.99%). Purchases made will be at the standard APR. Federal credit card regulations require us to apply any portion of a payment over the minimum payment amount to higher interest rate balances first. Existing loan balances held at Members Choice Credit Union cannot be refinanced to the 0% APR. Balances must be transferred at a branch to qualify for the promotional rate. Cardholder is responsible for making payments to the external loan balance until balance transfer transaction is completed. A balance transfer transaction fee of 0% of the dollar amount of balances transferred will apply, whichever is greater. Certain creditworthiness criteria apply. No Rewards points will be given for Balance Transfers. Low-Rate Balance Transfer: Your account must be activated and in good standing in order to complete a Balance Transfer.

    Balance Transfer Request Form

    VISA® Credit Card Application Checklist

    Here are a few things we'll need to know to apply for a credit card:

    1 How much do you want to borrow for your loan

    2 Current employment and income (including your employer's name and contact information)

    3 Your contact information, including phone number and email

    4 Information about your co-applicant, if applicable (date of birth, address, phone number, email, income, employer's name and phone number, Social Security number, MCCU member number)

    APPLY NOW

    Features Available on All Cards

    EMV Chip Technology

    Digital Wallet

     

    Coach: How Do I Build Credit?

     

    *0% applies for 12 months. After promotional period, rate reverts to currentMCCU Visa rate.