About  |  Visa, MasterCard, or Visa Gold Card  |  Apply for VISA Platinum Card

MasterCard, Visa, Visa Gold & Visa Platinum

Its easy to apply, simply print and complete the VISA/MasterCard application,   and mail the application to us at:

Michigan Educational Credit Union

9200 Haggerty Road, Plymouth MI 48170

We offer excellent VISA and MasterCard features including:

• Low 11.90% Annual Percentage Rate (APR)
• No Annual Fee
• 25-Day Grace Period - Pay your balance in full within 25 days and avoid interest charges on purchases.
• Cash Advances - Instant cash is available at any financial institution displaying the VISA/MasterCard logos. Cash advances bear finance charges from the transaction date until paid.
• Common Carrier Travel Insurance of $250,000
• Balance Transfer - At your request, the credit union will automatically transfer your balances on high interest credit cards to your new Michigan Educational Credit Union VISA or MasterCard. Balance transfers are treated as cash advances and will bear finance charges from the transaction date until paid.

Our VISA Gold has even more outstanding features including:

• Low 10.90% Annual Percentage Rate (APR)
• No Annual Fee
• 25-Day Grace Period - Pay your balance in full within 25 days and avoid interest charges on purchases.
• Worldwide Cash Advance Access Instant cash is available at any financial institution displaying the VISA logo. Cash advances bear finance charges from the transaction date until paid.
• December & July "Skip Payment" Option
• Common Carrier Travel Insurance of $250,000
• Balance Transfer - At your request, the credit union will automatically transfer your balances on high interest credit cards to your new Michigan Educational Credit Union VISA or MasterCard. Balance transfers are treated as cash advances and will bear finance charges from the transaction date until paid.
• Auto Rental Collision/Loss Damage Waiver Insurance - Automatically protects against losses resulting from damage or theft when auto is rented with VISA Gold.
• Warranty Manager - Extended warranty protection coverage (Some restrictions do apply. Please refer to the VISA Gold Services and Benefits Guide for details.)
• VISA Gold Emergency Assistance - One toll-free call to the VISA Assistance Center (VAC) at 1-800-VISA-911 will connect you to the customer service representatives who can help you with all major VISA Gold benefits.
• Common Carrier Travel Insurance of $500,000

Our VISA Platinum has even more outstanding features including:

• Low 9.90% Annual Percentage Rate (APR)
• No Annual Fee
• 25-Day Grace Period - Pay your balance in full within 25 days and avoid interest charges on purchases.
• Worldwide Cash Advance Access Instant cash is available at any financial institution displaying the VISA logo. Cash advances bear finance charges from the transaction date until paid.
• December & July "Skip Payment" Option
• Travel & Accident Insurance of $1,000,000
• Balance Transfer - At your request, the credit union will automatically transfer your balances on high interest credit cards to your new Michigan Educational Credit Union VISA or MasterCard. Balance transfers are treated as cash advances and will bear finance charges from the transaction date until paid.
• Auto Rental Collision/Loss Damage Waiver Insurance - Automatically protects against losses resulting from damage or theft when auto is rented with VISA Platinum.
• Warranty Manager - Extended warranty protection coverage (Some restrictions do apply. Please refer to the VISA Platinum Services and Benefits Guide for details.)
• VISA Platinum, Emergency Assistance - One toll-free call to the VISA Assistance Center (VAC) at 1-800-VISA-911 will connect you to the customer service representatives who can help you with all major VISA Platinum benefits.
• Annual Activity Summary