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More Rewards with Every Swipe
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Turn Everyday Spending Into Extraordinary Rewards
The MCU Visa® Signature gives you the power to earn 1.5 points for every dollar you spend on eligible purchases, with no annual fee and premium perks like travel insurance and no foreign transaction fees.
Rates as Low as 1.99%2 APR*
Enjoy a low introductory rate of 1.99%2 APR* for new cardholders over the first 12 months 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
Easy Redemption Options
It's easier than ever to redeem your points for rewards.
*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 19.49% to 23.49%, based on creditworthiness at account opening. The APR may vary.
Annual Fee for Signature Visa: None
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 19.49% to 23.49%, 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.
Foreign Transaction Fee for Signature Visa: None
Late Payment Fee for Signature Visa is $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $30.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee for Signature Visa is $20.00 or the amount of the required minimum payment, whichever is less.
Variable APRs will vary with the market based on the Prime Rate. The Prime Rate is 7.00%.
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.
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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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.
Mobile Banking
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With easy-to-use features, you can ensure your goals are met while managing your finances conveniently from anywhere.
Download the NYMCU Mobile App
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No Matter Where You Are in Life, We’re Right There with You
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.
Mobile Banking Tips for Staying Safe in the Digital World
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