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Earn Rewards Each Time You Spend
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A Card Designed With Your
Credit Needs In Mind
The MCU Visa® TRUE Rewards helps you reap the rewards of your financial journey, with low rates and 1 point for every dollar spent on eligible purchases.
Rates As Low As 3.99%1 APR*
Enjoy a low introductory 3.99%1 APR* for new cardholders over the first 12 months to help members like you meet your financial goals.
No Annual Fee
MCU prioritizes member success over profit, which is why we don’t charge annual fees. Instead, members can put that money towards their financial futures
Premium Perks
MCU makes it easier than ever to reap the rewards and make each dollar go even further. Explore Rewards
No Penalty Rate Pricing
Our credit cards are meant to catalyze your financial success, not penalize you. That’s why we don’t hit you with higher interest rates when life gets difficult.
*APR=Annual Percentage Rate.
13.99% Introductory APR for new cardholders on purchases and balance transfers for the first twelve (12) months based on creditworthiness. After the 12-month introductory period, the APR will be a variable rate from 15.74% to 22.74%, based on creditworthiness at account opening. The APR may vary.
Balance Transfer Fee (Finance Charge) for True Rewards Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.
The APR for Cash Advances for True Rewards Visa is a 17.90% fixed rate.
Cash Advance Fee (Finance Charge) for True Rewards Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.
Foreign Transaction Fee for True Rewards Visa is 1% of each foreign transaction in U.S. dollars.
Returned Payment Fee for True Rewards Visa is up to $20.00.
Variable APRs will vary with the market based on the Prime Rate. The Prime Rate is 7.00%.
Loans are available to all Municipal Credit Union members. Membership is open to anyone who lives, works, worships, or attends school in New York City (NYC), and family members or household members of existing MCU members. A primary share account is required to establish membership. Primary share accounts are the Hero Savings Account, the Smart Apple, and the Youth Savings Account. Membership eligibility is subject to verification. Certain restrictions may apply.
For more details, visit our Rates page.
View the MCU Visa® Signature, True Rewards and Platinum Cardholder Agreement and Related Disclosures for more information.
What is EMV Chip Technology?
EMV (chip card) technology is the most recent advancement in a global effort to combat fraud and protect sensitive payment and cardholder data. This technology includes an embedded microprocessor chip to store and protect cardholder data with increased security technology to reduce card fraud.
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Enjoy More Peace of Mind With VISA® Purchase Alerts
Get a free text or email whenever you pay with your VISA® card. This can help you immediately identify potentially fraudulent activity. You choose the terms and frequency.
- Features & Benefits
- How To Enable Alerts
- This is an additional service offered to MCU members by VISA® Purchase Alerts.
- VISA® Purchase Alerts are free. However, some cell phone carriers may charge a fee to send or receive a text message. Message and data rates may apply. Please check your mobile plan or contact your mobile carrier for further information.
- Get a text or email whenever you pay† with your VISA® card. This can help you immediately identify potentially fraudulent activity.
- Choose the notification triggers that match your needs. You’ll get real time† text or email alerts based on your selected criteria.
- Check your card eligibility.
- Create an account to register your mobile device and email. You will need to create a new, unique Username and Password for this service. This will create a new account with VISA® Purchase Alerts. OR, you can sign up for VISA® Purchase Alerts using NYMCU Digital Banking
- Choose the notification triggers that match your needs, such as transactions exceeding a set amount.
- If you experience problems creating a new account, contact VISA® Purchase Alerts Customer Service at VisaPurchaseAlertsHelp@visa.com.
†View the VISA® Purchase Alerts FAQ for more information.
All Your Banking, Accessible Anywhere
Manage your credit cards from anywhere and any device. The NYMCU online and mobile banking applications make it easy to manage all of your accounts—and with VISA® purchase alerts, you can get even more transparency into your daily transactions.
Download the Mobile Banking App
No Matter Where You Are in Life, We’re Right There with You
Make the Most of Your MCU Membership.
Membership in our community is about more than just banking. As an MCU member, you can access valuable information and resources to help you plan and reach your financial goals.
Mobile Banking Tips for Staying Safe in the Digital World
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