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Our Midwood branch located at 1560 Flatbush Avenue in Brooklyn will reopen this Friday, May 31st!

In the meantime, you can securely access your accounts by logging into Digital Banking or visiting any of our other local branches.

MCU VISA® Credit Cards

Pay on Your Terms with an MCU VISA® Credit Card.

MCU offers a range of VISA® credit cards for every life stage and situation our members face. Whether you’re just starting your credit and financial journey or have an established history, we are ready to serve you.

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Meet Your MCU Visa® Credit Card Match.

MCU offers a variety of VISA® credit cards to meet your credit needs with great rates and member perks—like our TRUE Rewards Cash Back VISA®.


MCU TRUE Rewards Cash Back VISA®

The MCU TRUE Rewards Cash Back VISA® helps members reap the rewards of 1.5% cash back* on eligible purchases, no annual fees, and no penalty rate pricing.

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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.


MCU Platinum VISA®

The MCU Platinum VISA® is a great card for members looking for a low interest rate, no annual fee, and no penalty rate pricing.

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The MCU2 Student VISA® card is an excellent tool to help college and graduate students establish and build credit with a 12 month introductory 1.99% APR**.

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Feel good about what you’re buying and how you’re paying for it. Buy now, pay later, no funny business.

Same credit card, more flexible payments

  • Use your credit card whenever and wherever you shop
  • Easily manage your budget by spreading larger expenses over time
  • Review and manage all plans, and payments in one place using the NYMCU Mobile App

Getting started

  1. Download the NYMCU Mobile App
  2. Make qualifying* purchases with your NYMCU credit card
  3. Choose your installment plan in the NYMCU Mobile App
  4. Pay back your purchases on your terms
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*Purchase must be greater than $300 from qualifying merchants. Installment payment available for three (3), six (6), nine (9) or twelve (12) month terms, split evenly over term, depending on qualifications. Interest rate will be provided via the NYMCU Mobile App and will be contingent on qualifying purchase. MCU reserves the right to apply payments in compliance with all applicable laws and regulations.

Account must be open and in good standing to earn and redeem rewards and benefits.

Upon approval, please refer to the Municipal Credit Union Installment Payments or the NYMCU Mobile App for additional information.


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
  1. Check your card eligibility.
  2. 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.
  3. Choose the notification triggers that match your needs, such as transactions exceeding a set amount.
  4. If you experience problems creating a new account, contact VISA® Purchase Alerts Customer Service at

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.

At MCU, we believe that a credit union should be a lifelong source of financial education and support—from planning for college to saving for retirement and everything in between.

That’s why we have specialized recommendations for products and services designed to help you meet your goals (both short-term and down the road), based on your changing needs and priorities.

Show Me Products For My Life Right Now
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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.

All about Private Mortgage Insurance (PMI)

Have you heard of PMI? PMI, short for Private Mortgage Insurance, is an insurance policy that helps protect the lender if the borrower can't pay their mortgage. ...

What to Consider Financially As A First-Time Homebuyer

So, you’re ready to buy your first home. Congratulations! For many people, taking this step is one of the biggest financial moves they will make in their entire lives. Because of ...

Mortgages 101: Getting Started on The Path to Homeownership

When you embark on the search for a new home, you may think you know the steps to take: Read the listings, visit some open houses, sign on with a Realtor, make an offer. In fact, ...

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.

Join a Community That’s Here to Support Your Financial Goals.

No matter where you are in life or what goals you’re working toward, MCU is ready to assist you with educational resources, banking products, and reliable service designed to help you create an exceptional financial future.

Join Today
Learn More About Membership

* View the TRUE Rewards Cash Back Visa® Card Program Description and Related Disclosures for more information.

** APR = Annual Percentage Rate. Introductory APR for new cardholders on new purchases and balance transfer is 1.99% for the first 12 months that your account is open. After the introductory period expires, currently 16.15% based on your creditworthiness–this post-introductory APR may vary. Balance transfers from another MCU loan or MCU VISA Card are not permitted. The APR for Cash Advances for all VISA cards is a fixed 17.90%. Cash Advance Fee for the MCU² VISA Card is 3% of the amount advanced but not less than $2.00 or more than $30.00. If interest is charged the minimum periodic interest charge is $0.50. There is a foreign exchange rate of 1% of each transaction in U.S. dollars. Certain restrictions apply. Membership is required. For more details, see our Rates page.

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