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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 (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

Apply Online

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

Apply Online

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

Apply Online

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!

Visa & MasterCard
Effective Date: 09/01/2022
NameAPR*
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. 
Please call the Credit Union for the most current rates. Rates are subject to change at any time without notice.

*Annual Percentage Rate

 

 

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