Members Plus MasterCard ®

Enjoy a low, fixed interest rate of 12.90% APR* with NO annual fee!

Apply Online!

A MasterCard from Members Plus Credit Union allows you the convenience of purchasing goods and services at over 10 million locations across the country and around the world. You also have access to cash advances at ATMs and financial institutions worldwide, 24 hours a day, 7 days a week.  Our MasterCard provides you with easier and safer shopping, traveling, and mail orders. Plus, the revolving line of credit gives you the freedom to borrow again and again as needed!

Our MasterCard® provides you with the following:

  • Credit limits available up to $15,000
  • Emergency Cash
  • Emergency Airline Ticket
  • Address Change Service
  • Identity Theft Resolution Services
  • 24-Hour Travel Center
  • Price Protection
  • MasterCard Global Service™ (worldwide service with Lost and Stolen Card Reporting, Emergency Card Replacement and Emergency Cash Advance)
  • Members Plus Credit Card App for 24/7 Online Access

Click here to view the Terms and Conditions Disclosure.

Can’t remember your 4-digit PIN? 
Call 888-886-0083.  You will be asked for your birth month and year. Please enter as MM/YY. For example March 1970 would be entered as 0370.

If you are calling to report a lost or stolen MasterCard after hours, please dial 1-800-449-7728.

Would you like to apply for a MasterCard Credit Card?

Already a member? Get started today by applying online and you may get approved instantly! A Member Service Representative will contact you if there are any questions.

Not a member?  It’s easy to become one and enjoy all the benefits of the Credit Union!  You just need open a savings account with $5 and live or work in one of the five counties that we serve!  Click here to learn more about becoming a member and our coverage areas or go ahead and apply for membership online today!

Already have a Members Plus MasterCard but would like to increase your credit limit? Apply here to increase your credit limit!

MasterCard SecureCode

A new online security service to guard you against unauthorized use of your MasterCard card while shopping online at participating merchants. There is no need to get a new card, no software to download, no cost, and no hassles… just added security!

Auto Update Service:
Please note that when your credit card or debit card expires, or is lost or stolen, new cards are issued. There is a service that may update relevant card data (card numbers and expiration dates) to appropriate merchants in order to facilitate uninterrupted processing of your recurring or account-on-file transactions. This service is provided as a free benefit to you to enable the processing of your payments. You may opt out of this service at any time. But, by opting out you will be required to notify your individual vendors in the event that your credit card is updated/replaced.

 

Lines of Credit

Name APR**
MasterCard® 12.90%
Rewards MasterCard® 4.90% Intro. Rate******
Overdraft Protection Line of Credit 18.00%
***APR=Annual Percentage Rate. Please note that the interest rate and fees shown here are available to members with an excellent credit history. The actual interest rate and fees available will be based on credit history, property type and loan transaction type, and may be different than the rates displayed here. **New Autos 2024 and 2023 with less than 7500 miles. ***Pre-Owned Autos 2011-2023 with greater than 7500 miles. VSI Insurance is required on all Auto Loans. Minimum Payment Requirements on all auto loans: $25.00 weekly, $50.00 biweekly and $100.00 monthly. A 7 year term may be granted for new or used auto loans in excess of $30,000.00.
Fees that may be applicable to deposit and lending accounts can be found on the fee schedule. Mastercard Disclosure: 12.90% APR for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period, Balance computation method=30 days/billing cycle x (daily periodic rate x average daily balance). ******4.90% Introductory Rate good for 12 billings cycles, following the introductory period, your rate will change to our ongoing rates of 13.40% APR – 18% APR based on your credit score.
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