Products & Services

Credit Cards

MCU offers a VISA® card to meet your credit needs. Every MCU VISA® card comes with a low rate and no hidden fees.

Features & Benefits

  • Low interest rate
  • No annual fee
  • No-fee balance transfers
  • No penalty rate pricing

Here’s How It Works

MCU will treat your application as a request for the VISA® Card with the most favorable rate you qualify for based on your creditworthiness.

Apply Now

Cardholder Agreements & Related Disclosures

An MCU Student VISA® is a great way for students to establish and build credit.

Features & Benefits

  • Low interest rate
  • No annual fee
  • No-fee balance transfers
  • No penalty rate pricing

All Applicants Must

  • Be 18 years of age or older
  • Have a valid Social Security Number
  • Be a college or graduate student
Apply Now

Cardholder Agreements & Related Disclosures

An MCU Secured VISA® is the ideal card to establish or repair credit.

Features & Benefits

  • Low interest rate
  • No annual fee
  • No-fee balance transfers
  • No penalty rate pricing

Here's How It Works

You select your own credit limit from $300 up to $5,000. The funds will be deposited into a special dividend-earning 18-month Secured VISA® Share Certificate account. This Account will serve as your credit line collateral.

Cardholder Agreements & Related Disclosures

To Apply*

* To apply for a Secured VISA Card, print out the application, complete and sign it. You can mail it back to us (the address is on the application), drop it off at one of our branches or fax it back to us at: 212-416-7013.

VISA® CardsAPR
Platinum Card8.90% or 10.15%
Gold Card11.65%
Classic Variable Rate13.15%
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Visit our Rates page for more information

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Routing Transit Number: 226078036