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 Mastercard Classic, World Rewards and 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.

 

Questions about our upcoming change from Visa to Mastercard?

MASTERCARD FAQS

 

All of our credit cards offer:

  • No Annual Fee
  • 25-Day Grace Period
  • Worldwide Cash Advance Access
  • December & July "Skip Payment" Option (ask staff for details)
  • Balance Transfer Option

Our Classic Mastercard features include:

  • Low 11.90% Annual Percentage Rate (APR)
  • Common Carrier Travel Insurance of $250,000

Apply Online

 

Coming Soon! Our World Rewards Mastercard features include:

  • Competitive Variable 17.49-21.00% Annual Percentage Rate (APR)
  • Contactless For Additional Security
  • Liability Protection**
  • Automatic Payment Options
  • 1.5 Points Per Dollar Spent

ADDITIONAL BENEFITS

MECU WORLD REWARDS MASTERCARD CREDIT DISCLOSURES
INTEREST RATES AND
OTHER CHARGES
World Rewards Mastercard
Annual Percentage Rate
(APR) for Purchases
17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers 17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Cash Advances 17.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None.
For Credit Card Tips from
the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

 

Coming Soon! Our Platinum Mastercard features include:

  • Competitive variable 15.49-21.00% Annual Percentage Rate (APR)
  • Contactless For Additional Security
  • Liability Protection**
  • Automatic Payment Options

ADDITIONAL BENEFITS

MECU PLATINUM MASTERCARD CREDIT DISCLOSURES
INTEREST RATES AND
OTHER CHARGES
Platinum Mastercard
Annual Percentage Rate
(APR) for Purchases
15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Balance Transfers 15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
APR for Cash Advances 15.74% - 21.00%, when you open your account, based on your creditworthiness. After that, your APR will vary with the market, based on the Prime Rate.
How to Avoid Paying
Interest on Purchases
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge None.
For Credit Card Tips from
the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

 

Visa & Mastercard
Effective Date: 03/01/2023
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 17.74% - 21.00%
World Rewards Mastercard 17.74% - 21.00%
Platinum Mastercard 15.74% - 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

** Certain restrictions apply. See www.mastercard.us/zero-liability for details.
 

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!

 

 

 

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