Credit union · NCUA insured
Memorial Credit Union Credit Card Rates
Memorial Credit Union credit cards start at 12.00% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How Memorial Credit Union’s credit card rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Memorial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Memorial Credit Union
12.00%APR
Visa Credit Card
Lowest rate
Peach State Federal Credit Union
8.90%APR
2nd-lowest rate
Healthcare Services Credit Union
8.99%APR
Memorial Credit Union credit card score
72
Credit card score
Higher than 30% of U.S. banks and credit unions
- Purchase APRPurchase APR12.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Memorial 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 Credit Card
Minimum monthly repayment will be the greater of 3% of the outstanding loan balance or $20.00. Rates vary by credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.00% | None | Credit score 720 and above. |
| Ongoing | 14.00% | None | Credit score 720 and above. |
| Ongoing | 17.00% | None | Credit score 640 - 719. |
| Ongoing | 18.00% | None | Credit score 639 and below. |
Sources (1)
- memorialcreditunion.com/rates.php · captured Oct 15, 2026
Who can join Memorial Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of Alexian Brothers (Alexian Brothers Community Services, Alexian Senior neighbors, Alexian Village and Alexian Grove) and its subsidiaries are eligible for membership.
- Persons working in Memorial Atrium Building are eligible for membership.
- Employees of this Credit Union are eligible for membership.
- Employees of Memorial Health Care Systems and its subsidiaries are eligible for membership.
- Physicians, Specialists and Staff who practice or work at Memorial facilities or whose offices are located in the Hospital or Medical Service, and other buildings owned by Memorial Hospital or its subsidiaries are eligible for membership.
- Medical Staff and Specialists employed by Memorial are eligible for membership.
4 more ways to join
Employers and groups
- Non-medical employees of or organized by Memorial Health Care System related to the prevention and treatment of diseases are eligible for membership.
- Employees of SCT Company are eligible for membership.
- Employees of the Tennessee Credit Union League and its subsidiaries are eligible for membership.
Family and household
- Members of the immediate family of eligible persons or organizations composed of the same general membership are eligible for membership.
Cost to join
- New members are required to open a Share account with a minimum deposit/balance of $25.00.
Membership information collected October 5, 2026.