About MCU

TRUE Rewards

1.5% Cash Back*

No Annual Fees

No penalty rate

Apply Today

* Earn 1.5% Cash Back on eligible net purchases. Please see the MCU TRUE Rewards Cash Back VISA® Card Program Description on pages 13-15 for further information.

** APR = Annual Percentage Rate. Introductory APR for new cardholders on purchases and balance transfers is 0.00%, 2.90%, 3.90% or 5.90% based on your creditworthiness, for the first twelve (12) months that your account is open. After the Introductory APR period expires, the APR will be, depending on your creditworthiness at account opening, 12.40%, 13.65%, 15.15%, or 16.90% – these post-introductory APRs may vary. The APR for Cash Advances is a fixed 17.90%. The Cash Advance Fee is $2.00 or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). The Balance Transfer Fee is $2.00 or 3% of the amount of each Balance Transfer, whichever is greater. Balance transfers from another MCU loan or MCU VISA® card are not permitted. If interest is charged, the minimum periodic interest charge is $0.50. The Foreign Transaction Fee is 1% of each foreign transaction in U.S. dollars. Certain restrictions apply. Membership is required.

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.