Credit Cards

When you open a credit card account, your revolving credit can be used to build a good credit history, provide security in emergency situations and make purchases where MasterCard® is accepted.

Credit Card Features

  • No Annual fee 
  • Fixed low rate
  • 24/7 Fraud Protection
  • Rates as low as 12.90% APR*
  • Low interest rates
  • Enhanced security with an embedded microchip, EMV Chip Technology
  • Manage your credit card online with GoToMyCard.
  • Shop over 2,000 merchants at our Perks Points Mall network and be rewarded even more with Rewards.

EMV Chip Cards 

We’re happy to announce that we have upgraded all of our Memorial Credit Union credit cards with new EMV (EuroPay MasterCard®) computer chip technology that improves fraud protection and security. This makes it even harder for your account information to get stolen and for you to become a victim of identity theft.

What is an EMV Chip Card?
In addition to the embedded chip that’s seen on the front, your new card will continue to have a magnetic strip on the back for merchants who aren’t yet using the chip-activated terminals.

View Credit Card Disclosure

Annual Percentage Rates (APR*)
Standard MasterCard®

12.90%, 13.90%, 15.90%, or 17.90%

Depending on creditworthiness.
No annual fee
No inactivity fee
No cash advance fee
– 25 day grace period
– Rewards Program

24/7 Cardholder Support Toll Free Number to Report Lost/Stolen MasterCard®, please call 1-800-820-8450.
Online AccessAccess your MCU MasterCard® account online to make a payment, check balances, and view transaction history. Click the GoToMyCard tab once enrolled in MCU Online.
Make a Credit Card PaymentManaging your MCU MasterCard® credit card activities can be handled at any time through our GoToMyCard service. Access GoToMyCard

* APR – Annual Percentage Rate. Rates, terms, and conditions subject to change.
**Credit card limits are established for credit cards based on credit history, income and repayment ability.