Credit union · NCUA insured
Magnolia Federal Credit Union Credit Card Rates
Magnolia Federal Credit Union credit cards start at 18.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Magnolia Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Jackson, MS, where Magnolia Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Magnolia Federal Credit Union
18.00%APR
Mastercard® Classic
Lowest rate
MS National Guard FCU
8.50%APR
2nd-lowest rate
Mississippi Highway Safety Patrol FCU
8.99%APR
Magnolia Federal Credit Union credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Magnolia Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Mastercard® Classic
Low, fixed rate. No annual fees or cash advance fees. 25-day grace period on all purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed rate of 18.00% APR (daily periodic rate 0.04931%). No annual fee or cash advance fee. 25-day grace period on all purchases. |
Share Secured Credit Card
Secured by savings account funds as collateral. Requires a minimum deposit/collateral of $500. No annual fees or cash advance fees. 25-day grace period on purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | APR of 18.00% (daily rate 0.04931%). Designated funds in savings account set aside as collateral starting with as little as $500. No annual fee or cash advance fee. 25-day grace period on purchases. |
Sources (3)
- magfedcu.org/about/rates
- magfedcu.org/cards/mastercard-classic
- magfedcu.org/cards/share-secured-credit-card
All captured Oct 4, 2026
Who can join Magnolia Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Mississippi's Hinds, Madison, Rankin, Simpson, Copiah, Leake, Yazoo, or Scott Counties is eligible for membership.
Employers and groups
- Employees of this credit union are eligible for membership.
- Employees of Select Employer Groups (SEGs) partnered with Magnolia Federal Credit Union are eligible for membership.
Family and household
- Members of the immediate family or household of current Magnolia FCU members are eligible for membership.
Other ways
- Volunteers in the community are eligible for membership.
Cost to join
- There is no membership fee to join; opening a Share Savings account deposit represents your share(s).
Membership information collected October 4, 2026.