Carry A Credit Card You Can Trust
At Michigan Educational Credit Union, we have always offered consumer-friendly credit cards with beneficial features. Accepted worldwide, our Visa Classic, MasterCard, Visa Gold and Visa Platinum are ideal for travel, shopping, paying at the gas pump, making reservations or purchases over the phone, buying merchandise online, and financing unexpected expenses. To make the most of your card, transfer your higher interest rate credit card balances to your MECU credit card.
All of our credit cards offer:
- No Annual Fee
- 25-Day Grace Period
- Worldwide Cash Advance Access
- Automatic Payment Option
- December & July "Skip Payment" Option (ask staff for details)
- Balance Transfer Option
Our Visa Classic and MasterCard features include:
- Low 11.90% Annual Percentage Rate (APR)
- Common Carrier Travel Insurance of $250,000
Our Visa Gold features include:
- Low 10.90% Annual Percentage Rate (APR)
- Auto Rental Collision/Loss Damage Waiver Insurance
- Warranty Manager — Extended warranty protection coverage
- Visa Gold Emergency Assistance
- Common Carrier Travel Insurance of $500,000
Our Visa Platinum features include:
- Low 9.90% Annual Percentage Rate (APR)
- Travel & Accident Insurance of $1,000,000
- Auto Rental Collision/Loss Damage Waiver Insurance
- Warranty Manager — Extended warranty protection coverage
- Visa Platinum, Emergency Assistance
- Annual Activity Summary
To apply for a credit card or request a credit limit increase, please click here. If you would like to transfer balances to an existing MECU credit card, click here or contact the Loan Department. We'll be happy to assist you!
| Name | APR* |
|---|---|
| Visa Classic & MasterCard Credit Cards | 11.90% |
| Visa Gold Credit Card | 10.90% |
| Visa Platinum Credit Card | 9.90% |
| Visa Signature Rewards Credit Card | 15.49% - 21.00% |
Minimum payment of 3% of the unpaid balance or $10 whichever is greater. Late payments will result in a fee of up to $20. *Annual Percentage Rate | |
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