MCU: Services - Credit Cards

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

MCU TRUE Rewards Cash Back VISA^®

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

Cardholder Agreements & Related Disclosures

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

MCU² VISA

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

MCU Secured VISA^®

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*

Download Application**

* 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.

VISA^® Cards	APR
Platinum Card	10.90%, 12.40%, 13.90%
MCU²	12.40%
TRUE Rewards Cash Back	13.15%, 14.40%, 15.90%, 17.65%

Visit our Rates page for more information

	TRUE RewardsVISA^® Apply Now	MCU PlatinumVISA^® Apply Now^†	MCU Gold VISA^® Apply Now^†	MCU Classic VISA^® Apply Now^†
Annual Percentage Rate for Purchases	0.00%, 2.90%, 3.90% or 5.90% for the first 12 mos. Thereafter at the prevailing rate, currently 12.40%, 13.65%, 15.15% or 16.90% (Prime Rate + 8.90%, 10.15%, 11.65% or 13.40%)	3.9%for the first 6 mos. Thereafter at the prevailing rate, currently 8.90% or 10.15%(Prime Rate + 5.65% or 6.90%)*	4.9% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate currently 10.15% (Prime Rate + 6.9%) after the introductory period expires. The APR may vary.	5.9% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter, at the prevailing rate, currently 11.15% (Prime Rate + 7.9%) after the introductory period expires. The APR may vary.
Grace Period for Repayment of the Balance for Purchases	Not less than 25 days	Not less than 25 days	Not less than 25 days	Not less than 25 days
Method of Computing the Balance for Purchases	Average daily balance (including new purchases)	Average daily balance (including new purchases)	Average daily balance (including new purchases)	Average daily balance (including new purchases)
Annual Fees	None	None	None	None
Balance Transfer Fee	Balance Transfers: Either $2.00 or 3% of the amount of each Balance Transfer, whichever is greater	None	None	None
Minimum Finance Charge	$0.50	$0.50	$0.50	$0.50
Transaction Fee for Purchases	None	None	None	None
Cash Advance APR	17.90%	17.90%	17.90%	17.90%
Cash Advance Transaction Fee	3% of the amount advanced but not less than $2.00 or more than $30.00	3% of the amount advanced but not less than $2.00 or more than $30.00	3% of the amount advanced but not less than $2.00 or more than $30.00	N/A
Foreign Transaction Fee	1% of each transaction in U.S. Dollars	1% of each transaction in U.S. Dollars	1% of each transaction in U.S. Dollars	1% of each transaction in U.S. Dollars
Late Payment Fee	$25.00	$25.00	$25.00	$25.00

	MCU² VISA^® Apply Now	MCU Secured VISA^®
Annual Percentage Rate for Purchases	0.00% introductory APR for new cardholders on purchases and balance transfers for the first 6 months. Thereafter at the prevailing rate currently 10.15% (Prime Rate + 6.9%) after the introductory period expires.The APR may vary.	11.90%
Grace Period for Repayment of the Balance for Purchases	Not less than 25 days	Not less than 25 days
Method of Computing the Balance for Purchases	Average daily balance (including new purchases)	Average daily balance (including new purchases)
Annual Fees	None	None
Balance Transfer Fee	None	n/a
Minimum Finance Charge	$0.50	$0.50
Transaction Fee for Purchases	None	None
Cash Advance APR	17.90%	17.90%
Cash Advance Transaction Fee	3% of the amount advanced but not less than $2.00 or more than $30.00	N/A
Foreign Transaction Fee	1% of each transaction in U.S. Dollars	1% of each transaction in U.S. Dollars
Late Payment Fee	$25.00	$25.00

Products & Services

Credit Cards

MCU TRUE Rewards Cash Back VISA^®

Features & Benefits

Here's How It Works

Cardholder Agreements & Related Disclosures

MCU Platinum VISA^®

Features & Benefits

Here’s How It Works

Cardholder Agreements & Related Disclosures

MCU² VISA

Features & Benefits

All Applicants Must

Cardholder Agreements & Related Disclosures

MCU Secured VISA^®

Features & Benefits

Here's How It Works

Cardholder Agreements & Related Disclosures

To Apply*

VISA^® Purchase Alerts

Features & Benefits

Here's How It Works

Join MCU

Products & Services

Rates

Advice & Planning

Online Banking

ABout MCU

Member Service