Credit union · NCUA insured
Members Trust FCU Credit Card Rates
Members Trust FCU credit cards start at 9.96% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Members Trust FCU’s credit card rates compare
Compared with banks and credit unions near Dallas, TX, where Members Trust FCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Members Trust FCU
9.96%APR
VISA® Gold
Lowest rate
Service 1st Credit Union
6.00%APR
2nd-lowest rate
Unity One Credit Union
8.90%APR
Members Trust FCU credit card score
83
Credit card score
Higher than 64% of U.S. banks and credit unions
- Purchase APRPurchase APR9.96%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Members Trust FCU 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® Classic
Rate based on creditworthiness and term of loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.88% | None | Credit limit up to $5,000.00. 25-day grace period. |
Sources (1)
- memberstrust.org/credit-cards · captured Oct 7, 2026
VISA® Elite
Rate based on creditworthiness and term of loan. Fixed rate for those who qualify.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.99% | None | Fixed rate of 7.99% for those who qualify. Credit limit up to $15,000.00. 25-day grace period. |
Sources (1)
- memberstrust.org/credit-cards · captured Oct 7, 2026
VISA® Gold
Rate based on creditworthiness and term of loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.96% | None | Credit limit up to $15,000.00. 25-day grace period. |
Sources (1)
- memberstrust.org/credit-cards · captured Oct 7, 2026
VISA® Secured
Rate based on creditworthiness and term of loan.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.96% | $25 | Credit limit up to $5,000.00. 25-day grace period. |
Sources (1)
- memberstrust.org/credit-cards · captured Oct 7, 2026
Who can join Members Trust FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Associates of EssilorLuxottica S.A. who work in, are paid from, or are supervised from Dallas, Texas are eligible for membership.
Family and household
- Immediate family members or household members of an existing member in good standing of Members Trust Federal Credit Union are eligible for membership.
Membership information collected October 5, 2026.