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MCU Platinum VISA®

Don’t Just Settle for Gold.

The MCU Platinum VISA® offers members with an established financial history a reliable credit option with low interest rates and no hidden fees.

Not An MCU Member? Join Today.

A Card Designed With Your Credit Needs In Mind.

The MCU Platinum VISA® provides qualified members with the credit they need to meet their goals—with low interest rates, no annual fee, no balance transfer fee, and no penalty fee.


Rates As Low As 1.99% APR*

Enjoy a low introductory APR for new cardholders for the first 12 months (based on creditworthiness) 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.


No Balance Transfer Fee

MCU is here to help you, every step of the way, on your financial journey towards success. Transfer balances with no fees with the MCU Platinum VISA®.


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.

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.


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 mobile 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.

NYMCU Digital Banking

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.

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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.

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When Should You Take Social Security?

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How To “Trick” Yourself Into Saving More

How To “Trick” Yourself Into Saving More

With inflation high and money tight for so many of us, there’s never been a better time to re-examine how we’re managing our finances and to make some moves to save more. ...
How Much Should You Save For Retirement?

How Much Should You Save For Retirement?

In a perfect world, you would start saving for retirement with your very first paycheck and keep at it until the day you left your job some 40 years later. But not everyone works ...

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

*1.99% Introductory Annual Percentage Rate (APR) for new cardholders on purchases and balance transfers for the first 12 months based on your creditworthiness. After that, the APR will be, depending on your creditworthiness at account opening, 14.65%, 16.15%, or 17.65% (Prime Rate + 6.90%, 8.40%, or 9.90%). The APR may vary. For more details, see our Rates page.

View the MCU Platinum Visa® Cardholder Agreement and Related Disclosures for more information.

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