Credit Cards

Enjoy the benefits of your credit union membership and take advantage of the trusted credit card programs offered by Members Credit Union.

  • Local service
  • No annual fee
  • Competitive variable rates on our Platinum* and Gold* cards on all purchases and cash advances
  • Low, competitive fixed rate on our Classic Cards on all purchases and cash advances
  • Payments accepted at all Members Credit Union locations
  • Payment can be made on Members Credit Union online banking
  • Transfer balances from your other high interest cards to your Members Credit Union cards
  • Acceptance at millions of VISA merchant locations
  • Cash access at over 600,000 ATMs
  • Cash advances when emergency cash is needed

 

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Credit Cards

Choose from a variety of credit card options and competitive interest rates to meet your needs. It’s Easy! Apply Today!

Platinum
It’s time you had a low competitive rate* platinum card in your wallet. Use it for those unexpected or everyday expenses. The card offers a minimum limit of $2,500 and a maximum limit of $20,000. Credit limit based on approval. Apply today!

Gold
Enjoy a low competitive rate* card with a minimum limit of $5,000 and a maximum limit of $20,000. Credit limit based on approval. Also earn Scorecard Reward Points. Every time you make a purchase, automatically earn bonus points. The more you spend, the more you earn. Watch your Scorecard Reward Points balance grow in less time by using your card to make purchases and pay your monthly bills including utilities, telephone, cable, mobile telephone, internet fees, health club dues, college tuition, child care and any other service provider that accepts VISA. Once you have been approved for your VISA Gold card register at www.scorecardrewards.com and keep track of your balance on-line. No point expiration. Purchase travel and gifts based on the points you earn! Earn 1 point for every $1 purchased on your card.

Classic
Apply today for your VISA Classic card and begin enjoying the benefits of a competitive fixed rate card with a $0 minimum limit and a maximum limit of $20,000. Credit limit based on approval. Also earn Scorecard Reward Points. Every time you make a purchase, automatically earn bonus points. The more you spend, the more you earn. Watch your Scorecard Reward Points balance grow in less time by using your card to make purchases and pay your monthly bills including utilities, telephone, cable, mobile telephone, internet fees, health club dues, college tuition, child care and any other service provider that accepts VISA. Once you have been approved for your VISA Classic card register at www.scorecardrewards.com and keep track of your balance on-line. No point expiration. Purchase travel and gifts based on the points you earn! Earn 1 point for every $1 purchased on your card.  

Credit Card Rates
TypePurchase APR+Balance Tfr. APR+Cash Adv. APR+Min. Fin. ChargeAnnual FeeGrace Period PurchasesLate Pmt. FeeOver Limit FeeComputation Method**
Classic 13.96* 13.96* 13.96* None None 25 Days $10.00 None Average Daily Balance
Gold ++ 9.96* 9.96* 9.96* None None 25 Days $10.00 None Average Daily Balance
Platinum +++ 8.96* 8.96* 8.96* None None 25 Days $10.00 None Average Daily Balance
+ Interest Rate Based On Approval
++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Gold or Visa Gold is determined monthly by adding 7% to the 3 Month Treasury Bill (Yearly Adjustable Rate)
+++ Variable Rate Information - Your APR for purchase transactions may vary. The rate for a MasterCard Platinum or Visa Platinum is determined monthly by adding 4.5% to the 3 Month Treasury Bill. (Yearly Adjustable Rate)
* Annual Percentage Rate
** Average Daily Balance Including New Purchases
International Transaction Fee - Up to 1% of Foreign Transactions

    


Share Secured

Members Credit Union offers share secured credit card programs for members that have never had a major credit card or have had problems establishing credit. We offer these special programs to assist our members in establishing a credit history. If you have tried in the past to get a major credit card but have had problems, and now can demonstrate financial responsibility, then we have the credit card program for you. Check with your credit union lending center for details.

Contact our Lending Center at:
231-929-2010   Local
800-765-0113   Toll
866-632-8238   After Hours

* Variable rate adjusted annually

Share Secured Credit Card Rates
TypePurchase APR+Balance Tfr. APR+Cash Adv. APR+Min. Fin. ChargeAnnual FeeGrace Period PurchasesLate Pmt. FeeOver Limit FeeComputation Method**
Classic 13.96* 13.96* 13.96* None None 25 Days $10.00 None Average Daily Balance

+    Interest Rate Based On Approval

* Annual Percentage Rate

** Average Daily Balance Including New Purchases

International Transaction Fee - Up to 1% of Foreign Transactions

     

 

 

 

 

 

 


ezCardinfo.com

Find out your balance, due date, last payment, and other information about your credit card. It is easy! Access your account anytime 24 hours a day 7 days a week.


Scorecard Rewards

Do you want to know how many points you have earned with your credit card?

Reward yourself, you deserve it!
Reward others, they'll love it!


Earn Bonus Points for every qualifying net dollar you spend, then turn your purchases into incredible Gift, Travel or Experience awards!
Brand name gifts, vacation getaways, useful services to once in a lifetime experiences, we have it all.
We are continually updating award options so go ahead, search the awards, create your personal wish list, and visit often.

Because.....life should be rewarding!

If your VISA or MasterCard is lost or stolen, please call (800) 543-5073.

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Northwest Michigan's Largest Credit Union