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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.
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.
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.
MCU2 STUDENT VISA®
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**.
BUY NOW, PAY LATER*
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
- Download the NYMCU Mobile App
- Make qualifying* purchases with your NYMCU credit card
- Choose your installment plan in the NYMCU Mobile App
- Pay back your purchases on your terms
*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.
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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.
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.
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)
What to Consider Financially As A First-Time Homebuyer
Mortgages 101: Getting Started on The Path to Homeownership
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.
