Credit union · NCUA insured
MECU Credit Union Credit Card Rates
MECU Credit Union credit cards start at 12.25% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How MECU Credit Union’s credit card rates compare
Compared with banks and credit unions near Baltimore, MD, where MECU Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MECU Credit Union
12.25%APR
Visa® Signature Cash Rewards Credit Card
Lowest rate
APG Federal Credit Union
7.00%APR
2nd-lowest rate
Freedom Federal Credit Union
7.00%APR
MECU Credit Union credit card score
71
Credit card score
Higher than 28% of U.S. banks and credit unions
- Purchase APRPurchase APR12.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MECU 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.
Visa® Platinum Credit Card
Rates are variable, tied to the Wall Street Journal Prime Rate. Credit limits based on creditworthiness and ability to repay. No annual fee, balance transfer fee, cash advance fee, or penalty APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for the first 12 statement closing dates following the opening of your account. |
| Ongoing | 12.50%–15.50% | None | Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account. |
Sources (2)
- mecu.com/loans-credit/credit-cards/visa-credit-cards
- mecu.com/loans-credit/credit-c…isa-platinum-credit-card
All captured Oct 4, 2026
Visa® Platinum Rewards Credit Card
Rates are variable, tied to the Wall Street Journal Prime Rate. Credit limits based on creditworthiness and ability to repay. No annual fee, balance transfer fee, cash advance fee, or penalty APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for 12 months (first 12 statement closing dates following account opening) on purchases. |
| Ongoing | 13.50%–16.50% | None | Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account. |
Visa® Platinum Secured Credit Card
Requires refundable security deposit equal to the credit limit (as low as $500). Rates are variable, tied to the Wall Street Journal Prime Rate. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for the first 12 statement closing dates following the opening of your account. |
| Ongoing | 16.67% | None | Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account. Requires a refundable security deposit matching credit limit (as low as $500). |
Sources (2)
- mecu.com/loans-credit/credit-cards/visa-credit-cards
- mecu.com/loans-credit/credit-c…inum-secured-credit-card
All captured Oct 4, 2026
Visa® Signature Cash Rewards Credit Card
Rates are variable, tied to the Wall Street Journal Prime Rate. Credit limits based on creditworthiness and ability to repay. No annual fee, balance transfer fees, or cash advance fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for the first 12 statement closing dates following the opening of your account. |
| Ongoing | 12.25% | None | Standard variable APR for purchases, cash advances, and balance transfers based on creditworthiness when you open your account. |
Who can join MECU Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.