Products & Services

Credit Cards

MCU offers a VISA® card to meet your credit needs. Our Platinum card and Cash Back Rewards card give you the option to choose the VISA® card that is right for you.

Use the "Check App Status" button to check on the status of your application, view messages or submit documents

true rewards cards

Features & Benefits

  • 1.5% Cash Back on eligible net purchases
  • No annual fee
  • Easy redemption options
  • No penalty rate pricing

Here's How It Works

Earn up to 1.5% Cash Back on eligible net purchases. Please see the TRUE Rewards Cash Back VISA® Card Program Description on pages 13-15 for further information.

Apply Now
mcu platinum credit cards

Features & Benefits

  • Low interest rate
  • No annual fee
  • No balance transfer fee
  • No penalty rate pricing

Here’s How It Works

MCU will treat your application as a request for the VISA® Platinum Card with the most favorable rate you qualify for based on your creditworthiness.

Apply Now

Cardholder Agreements & Related Disclosures

classic card

An MCU Student VISA® is a great way for students to establish and build credit.

Features & Benefits

  • Low interest rate
  • No annual fee
  • No balance transfer fee
  • No penalty rate pricing

All Applicants Must

  • Be 18 years of age or older
  • Have a valid Social Security Number
  • Be a college or graduate student
Apply Now

Cardholder Agreements & Related Disclosures

classic card

An MCU Secured VISA® is the ideal card to establish or repair credit.

Features & Benefits

  • Low interest rate
  • No annual fee
  • No balance transfer fee
  • No penalty rate pricing

Here's How It Works

You select your own credit limit from $300 up to $5,000. The funds will be deposited into a special dividend-earning 18-month Secured VISA® Share Certificate account. This Account will serve as your credit line collateral.

Cardholder Agreements & Related Disclosures

To Apply*

* To apply for a Secured VISA Card, print out the application, complete and sign it. You can mail it back to us (the address is on the application), drop it off at one of our branches or fax it back to us at: 212-416-7013.

Visa Purchase Alerts

Features & Benefits

  • 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.

*A qualified transaction is any transaction routed through VISA®.

**Actual time to receive a transaction alert is dependent on wireless service and coverage within area.

Here's How It Works

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.

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 VisaPurchaseAlertsHelp@visa.com.

View the VISA® Purchase Alerts FAQ for more information.

mcuvisacard-greatrates
VISA® CardsAPR
Platinum Card10.90%, 12.40%, 13.90%
MCU²12.40%
TRUE Rewards Cash Back13.15%, 14.40%, 15.90%, 17.65%

Visit our Rates page for more information

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Routing Number: 226078036

NMLS #:184286

  • ncua Federally insured by NCUA. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.