Rates as low as 1.99% APR^*

Spend smarter, build credit, and meet your goals.

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MCU Has a Card for Every Credit Need

MCU is dedicated to helping its members by offering a wide array of credit card products to help them spend smarter, build credit, and meet their goals.

True Rewards VISA®

3.99%¹ introductory APR^* for 12 months
Earn 1 point for every dollar spent on eligible net purchases
No Annual Fee

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Signature VISA®

1.99%² introductory APR^* for 12 months
Earn 1.5 points for every dollar spent on eligible net purchases
Enjoy premium perks like travel insurance and no foreign transaction fees
No Annual Fee

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Platinum VISA®

Rate as low as 13.65%³ APR^*
No Annual Fee
Competitive Rates

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Credit Cards Disclosures

^*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.

^*APR=Annual Percentage Rate.

²1.99% 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 19.24% to 23.24%, based on creditworthiness at account opening. The APR may vary.

Balance Transfer Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.

The APR for Cash Advances for Signature Visa is a variable rate from 19.24% to 23.24%, based on creditworthiness at account opening. This APR will vary with the market based on the Prime Rate.

Cash Advance Fee (Finance Charge) for Signature Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.

Returned Payment Fee for all Signature Visa Cards is up to $20.00.

Variable APRs will vary with the market based on the Prime Rate. The Prime Rate is 7.00%.

^*APR=Annual Percentage Rate.

³The Platinum Visa APR is a variable rate from 13.65% to 20.65%, based on creditworthiness at account opening.

Balance Transfer Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Balance Transfer, whichever is greater.

The APR for Cash Advances for Platinum Visa Cards is a fixed 17.90%.

Cash Advance Fee (Finance Charge) for Platinum Visa is $1.00 or 3.00% of the amount of each Cash Advance, whichever is greater.

Foreign Transaction Fee for Platinum Visa is 1% of each foreign transaction in U.S. dollars.

Returned Payment Fee for all Platinum Visa is up to $20.00.

Variable APRs will vary with the market based on the Prime Rate. The Prime Rate is 7.00%.

For more details, visit our Rates page.

View the MCU Visa® Signature, True Rewards and Platinum Cardholder Agreement and Related Disclosures for more information.

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Not a Member Yet?

How to Apply

Become a Member

Complete your Online Membership Application

Join MCU

Enroll in Digital Banking

Once a membership is approved, enroll in Digital Banking

Enroll

Apply for your loan

Go to Accounts → Quick Apply Loans to apply

get-an-extra-peace-of-mind-visa-purchase-alerts-(1)

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

Features & Benefits

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.

How To Enable Alerts

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.

Mobile Banking

Digital Banking and the NYMCU Mobile Banking App make it easy to achieve your financial goals with helpful tools.

With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.

Download the Mobile Banking App

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FAQs

Get Answers to Frequently Asked Questions.

What happens if I lose my MCU VISA® credit card?

Accidents happen! If your MCU VISA® credit card is lost or stolen, we suggest that you connect with us right away. Call us at (800) 449-7728 or log into your NYMCU Digital Banking to block or unblock your card, or to request a replacement.

Can I be alerted when a purchase is being made?

Yes! With VISA® Purchase Alerts, you will automatically be sent a text or email that verifies the purchase—stopping fraudulent activity in its tracks.

Do I need to have established credit in order to get an MCU VISA® credit card?

A small amount of established credit will not prevent you from getting an MCU VISA® credit card, but high-standing and established credit will strengthen your application.

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Rates as low as 1.99% APR^*