Credit union · NCUA insured
Memorial Credit Union Credit Card Rates
Memorial Credit Union credit cards start at 11.20% APR on purchases, after any introductory rate. Rates checked October 17, 2026.
How Memorial Credit Union’s credit card rates compare
Compared with banks and credit unions near Houston, TX, where Memorial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Memorial Credit Union
11.20%APR
- Annual fee
- None
- Up to
- 17.99% APR
Credit Cards
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Annual fee
- None
- Up to
- —
2nd-lowest rate
Houston Federal Credit Union
7.00%APR
- Annual fee
- $50
- Up to
- —
Memorial Credit Union credit card score
77
Credit card score
Higher than 43% of U.S. banks and credit unions
- Purchase APRPurchase APR11.20%
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.
Credit Cards
Payment is 3% of balance or $18, whichever is greater. Rates based on credit score, terms, and relationship discounts.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.20%–17.99% | None | Minimum payment: 3% of balance or $18, whichever is greater. Stated rates as low as apply to well-qualified applicants in combination with relationship discounts. |
Secured Visa Credit Card
No annual fee or balance transfer fee. Security deposit required to build or rebuild credit. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Fixed interest rate. Security deposit required. |
Sources (1)
- memorialcu.org/loans/credit-cards · captured Oct 7, 2026
Visa Rewards Card
No annual fee or balance transfer fee. Security deposit not required. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Fixed interest rate. Earn points on purchases (1.5 points per dollar spent). |
Sources (1)
- memorialcu.org/loans/credit-cards · captured Oct 7, 2026
Who can join Memorial 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This may be incomplete or out of date, so check with the credit union before you apply.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 Harris County residents and those who live, worship, work, or attend school within Harris County.
- Membership is open to those who live, worship, work, or attend school within a 10-mile radius of an MCU branch location.
Employers and groups
- Membership is open to employees and families of the Memorial Hermann Healthcare System.
- Membership is open to Memorial Hermann Healthcare System (MHHS) medical professional building tenants.
- Membership is open to Memorial Hermann Healthcare System (MHHS) contractors and vendors.
- Membership is open to Memorial Hermann Healthcare System (MHHS) volunteers.
1 more way to join
Family and household
- Eligible family members include spouses, parents, siblings, children, step relations, grandparents, and grandchildren.
Membership information collected October 5, 2026.