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MCU Secured VISA®
A Card That Helps You Build Your Future.
The MCU Secured VISA® is a great option for MCU members looking to establish or build credit. Just set your own credit limit, and your funds will be secured through a special collateral credit line.
A Card Built With Your Credit Needs In Mind.
The MCU Secured VISA® is designed to help members starting or improving their credit journey with favorable terms* and the freedom to determine your credit limit with a secured collateral account.
Build Credit on Your Terms
With the secured collateral and your selected credit limit, you set the terms of this card and build towards your future along the way.
No Annual Fee
We don’t charge you an annual fee for your MCU Secured VISA®—instead, you can put that money towards building your credit.
No Penalty Rate Pricing
This card is meant to help you, not penalize you. MCU is looking out for your financial future and is here to help with this secure card.
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.
- 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.
- 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.
- 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.
- 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.
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.
