Credit union · NCUA insured
Members Exchange Credit Union Credit Card Rates
Members Exchange Credit Union credit cards start at 11.00% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Members Exchange Credit Union’s credit card rates compare
Compared with banks and credit unions near Jackson, MS, where Members Exchange Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members Exchange Credit Union
11.00%APR
- Up to
- 18.00% APR
Visa® Platinum Credit Card
Lowest rate
MS National Guard FCU
8.50%APR
- Up to
- —
2nd-lowest rate
Mississippi Highway Safety Patrol FCU
8.99%APR
- Up to
- —
Members Exchange Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Exchange 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
No annual fee. Variable rate based on Prime Rate published in the Wall Street Journal, subject to change quarterly. Subject to credit application and approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory 0% APR on balance transfers for the first 6 billing cycles after account opening on new credit cards only. Must contact credit union and use promo-specific convenience checks. Balance transfers cannot be used to pay off MEFCU accounts. Balance transfer fees may apply. |
| Ongoing | 7.25% | None | Variable interest rate as low as 7.25% APR based on Prime Rate depending on credit criteria. Low ongoing rate to save you money on everything you buy. |
| Ongoing | 10.75%–18.00% | None | Standard variable APR based on creditworthiness, adjusting with market based on the Prime Rate quarterly. Remaining balance transfer balance increases to standard variable APR after promo. |
| Ongoing | 11.00%–18.00% | None | Revolving unsecured credit card loan rate schedule based on creditworthiness. |
Who can join Members Exchange Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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 persons who live, work, worship, or attend school in, as well as businesses and other legal entities located in Hinds, Madison, Rankin, Simpson, Copiah, Attala, Claiborne, Covington, Holmes, Jasper, Jefferson, Jefferson Davis, Jones, Lawrence, Leake, Lincoln, Neshoba, Newton, Scott, Smith, Warren, Winston, and Yazoo Counties in Mississippi.
Family and household
- Membership is open to immediate family members of credit union members, including spouse, parents, brothers, sisters, grandparents, children, and grandchildren.
Other ways
- Membership is open to organizations owned by eligible persons.
Cost to join
- A minimum deposit of $1.00 in a share savings account is required to join.
- There is no joining fee.
Membership information collected October 4, 2026.