Members First Credit Union
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Lending Options > VISA Credit Cards

It's not just a VISA® card. It's my, every purchase gets me closer to "whatever" card.

VISA Credit Cards  

The MFCU Visa is perfect for every day purchases, vacationing, home improvement projects or even for your business! If you already have one, thanks! We appreciate you participating in the cooperative you’re a part of.  

If you’re in the market for a new credit card, we have four options for you.

  • VISA Platinum – simple terms and rates
  • VISA Platinum Rewards - earn MFCU Rewards or CashBack

  • Share Secured – to help build credit
  • Commercial – for all your business needs

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The MFCU Visa has an EMV chip for enhanced security when you use chip-enabled terminals.

Learn more about the EMV chip cards.

You will also be able to get fraud alerts via email, text or phone. You will be able to receive notifications of:

  • International transactions
  • Out of state trans actions
  • Declined transactions

Enroll in Fraud Alerts


Live in the virtual world? Us too! All of the information about your Visa can be easily accessed through Online Banking.

  • Activate your new card
  • View history
  • View transactions
  • Order a new card
  • Access MFCU Rewards
  • Make payments and cash advances

Be proud to use a card that comes from the same place you do. Your MFCU Visa isn’t from a big bank, it’s from a cooperative you’re a part of.

We highly encourage you to easily make payments instantly from your checking or savings to your Visa within Online Banking.  eStatements are viewable within Online Banking.

Members First Credit Union
PO Box 2165
Midland, MI 48641

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MFCU Rewards

Interest Rate and
Interest Charges

Intro Rate Platinum


Platinum Rewards

Share Secured

Annual Percentage Rate

APR for Purchases
APR for Balance Transfers
APR for Cash Advances
introductory APR for one year, based on your credit worthiness. After that, your APR will be 9.59% to 17.90% based on your credit worthiness.
9.59% to 17.90% based on your credit worthiness.


7.75% fixed.
Paying Interest Your due date is at least 25 days after the close of each billing cycle.  We will not charge you interest on purchases if you pay your entire balance by the due date each month.  We will begin to charge interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at


Transactions Fees
  • Foreign Transaction Fee

1% of each transaction in U.S. dollars.
Penalty Fees
  • Late Payment
  • Return Payment



How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."  See your account agreement for more details.
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Credit Card Debt Management

To report a lost or stolen VISA, please call 1.800.682.6075 or contact the credit union at 855.835.MFCU during regular business hours. You can also visit 

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Find Your Happy

Members First Credit Union | P.O. Box 2165 | Midland, MI 48641
Phone 855-835-MFCU (6328) |

Federally insured by NCUA.
We do business in accordance with the Fair Housing Law.