Credit union · NCUA insured
Members Plus Credit Union Credit Card Rates
Top CarrotMembers Plus Credit Union credit cards start at 12.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Members Plus Credit Union’s credit card rates compare
Compared with banks and credit unions near Boston, MA-NH, where Members Plus Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members Plus Credit Union
12.90%APR
- Up to
- —
Members Plus Credit Card
Lowest rate
Albright Credit Union
7.99%APR
- Up to
- 17.99% APR
2nd-lowest rate
Beverly Municipal Federal Credit Union
7.99%APR
- Up to
- —
Members Plus Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Plus 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.
Members Plus Credit Card
Must open a savings account with $5 and live or work in one of the five counties served. Credit limits available up to $15,000.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.90% | None | Fixed interest rate for all purchases and cash advances. $0.50 minimum finance charge, 25 day grace period. |
Sources (2)
All captured Oct 16, 2026
Rewards Credit Card
Balances on the Members Plus Standard Credit Card cannot be transferred to the Rewards MasterCard.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 4.90% | None | Introductory rate good for 12 billing cycles (365 days from first qualifying transaction) on retail purchases. |
| Ongoing | 13.40%–18.00% | None | Following the introductory period, rate changes to ongoing APR based on credit score. Rate varies with the market based on the Prime Rate. |
Sources (2)
All captured Oct 16, 2026
Who can join Members Plus Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible for membership.
Employers and groups
- Employees, retirees, and family members of the Eversource Companies, Exelon, and Entergy are eligible for membership.
Family and household
- Relatives and domestic partners of existing members—including spouses, children, siblings, parents, grandparents, and in-laws—are eligible for membership.
Other ways
- Individuals who belong to a religious or social organization located in Essex, Middlesex, Norfolk, Plymouth, or Suffolk counties are eligible to join.
Cost to join
- Membership requires opening a Savings (Share) Account with a $5 deposit.
Membership information collected October 5, 2026.