Credit union · NCUA insured
MembersOwn Credit Union Credit Card Rates
Top CarrotMembersOwn Credit Union credit cards start at 9.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How MembersOwn Credit Union’s credit card rates compare
Compared with banks and credit unions near Lincoln, NE, where MembersOwn Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MembersOwn Credit Union
9.99%APR
- Up to
- —
MembersOwn Preferred VISA® Credit Card
Lowest rate
First Lincoln FCU
9.95%APR
- Up to
- 12.95% APR
2nd-lowest rate
Liberty First Credit Union
9.99%APR
- Up to
- —
MembersOwn Credit Union credit card score
82
Credit card score
Higher than 58% of U.S. banks and credit unions
- Purchase APRPurchase APR9.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MembersOwn 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.
MembersOwn Preferred VISA® Credit Card
Offers competitive fixed rates as low as 9.99% APR and variable rates of Prime + 9.00% or Prime + 13.00%. No hidden fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Fixed rates as low as 9.99% APR. The rate you qualify for is based on your credit history and approval. Minimum monthly payment is 2% of statement balance or $25, whichever is greater. There are no annual fees, over-limit fees or balance transfer fees. |
Sources (3)
- membersowncu.org/credit-cards
- membersowncu.org/credit-cards-rates
- membersowncu.org/credit-cards-details
All captured Oct 7, 2026
Rewards VISA® Credit Card
Participates in uChoose Rewards® allowing cardholders to earn points on qualifying purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.99% | None | Rate based on credit history and approval. Minimum monthly payment is 2% of statement balance or $25, whichever is greater. |
| Ongoing | 15.99% | None | Rate based on credit history and approval. Minimum monthly payment is 2% of statement balance or $25, whichever is greater. |
| Ongoing | 18.00% | None | Rate based on credit history and approval. Minimum monthly payment is 2% of statement balance or $25, whichever is greater. |
Sources (3)
- membersowncu.org/credit-cards
- membersowncu.org/credit-cards-rates
- membersowncu.org/credit-cards-details
All captured Oct 7, 2026
Who can join MembersOwn Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live in Southeast Nebraska are eligible for membership.
- Persons who attend school in Southeast Nebraska are eligible for membership.
- Persons who work in Southeast Nebraska are eligible for membership.
- Persons who worship in Southeast Nebraska are eligible for membership.
Employers and groups
- Persons who belong to an organization in Southeast Nebraska are eligible for membership.
Membership information collected October 4, 2026.