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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
  • Balance Transfer Option

Our Visa Classic and MasterCard features include:

  • Low 11.90% Annual Percentage Rate (APR)
  • No Annual Fee
  • 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, please click here. If you would like to transfer balances to an existing MECU credit card or if you'd like to request a credit limit increase, please click here.

Visa & MasterCard
Effective Date: 11/01/2018
NameAPR*
Visa Classic & MasterCard Credit Cards 11.90%
Visa Gold Credit Card 10.90%
Visa Platinum Credit Card 9.90%
Minimum payment of 3% of the unpaid balance or $10 whichever is greater. Late payments will result in a fee of $15. Please call the Credit Union for the most current rates. Rates are subject to change at any time without notice.

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Michigan Educational Credit Union,
9200 Haggerty Road Plymouth, MI 48170
Dedicated to serving the financial needs of our community since 1942.
National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration
We do business in accordance with the Fair Housing Law
Equal Housing Lender