Credit union · NCUA insured
MECU Credit Card Rates
MECU credit cards start at 11.25% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How MECU’s credit card rates compare
Compared with banks and credit unions near Oklahoma City, OK, where MECU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MECU
11.25%APR
- Up to
- —
MECU Rewards Card
Lowest rate
Oklahoma Federal Credit Union
7.00%APR
- Up to
- 11.00% APR
2nd-lowest rate
Farmers Insurance Federal Credit Union
8.99%APR
- Up to
- 18.00% APR
MECU credit card score
76
Credit card score
Higher than 42% of U.S. banks and credit unions
- Purchase APRPurchase APR11.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MECU 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.
MECU Rewards Card
Available to eligible MECU members. Subject to final credit approval and creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.25% | None | Fixed rate as low as 11.25% APR on purchases, balance transfers, and cash advances. Non-Introductory/Standard Rates. Subject to final credit approval and creditworthiness; 3% balance transfer fee applies. No annual fee. |
Sources (1)
- mecuokc.org/loans/visa-credit-card · captured Oct 7, 2026
Who can join MECU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Oklahoma, Cleveland, Pottawatomie, Canadian, Lincoln, McClain, Grady, or Logan County.
Membership information collected October 4, 2026.