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Credit union · NCUA insured

Memphis City Employees Credit Union Credit Card Rates

Top Carrot, Carrot Score 96Top Carrot

Memphis City Employees Credit Union credit cards start at 7.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.

How Memphis City Employees Credit Union’s credit card rates compare

Compared with banks and credit unions near Memphis, TN-MS-AR, where Memphis City Employees Credit Union has the most branches. Ongoing purchase APR, lowest first.

  • Top Carrot, Carrot Score 96

    This credit union’s lowest

    Memphis City Employees Credit Union

    7.90%APR

    Up to
    16.90% APR

    Mastercard® Platinum Rewards Card

  • Top Carrot, Carrot Score 98

    Lowest rate

    LGWFCU

    7.90%APR

    Up to
    16.90% APR

    LGWFCU rates

  • Top Carrot, Carrot Score 89

    3rd-lowest rate

    Nucor Employee's Credit Union

    8.75%APR

    Up to
    —

    Nucor Employee's Credit Union rates

Compare credit card rates near you →

Memphis City Employees Credit Union credit card score

93

Credit card score

Higher than 95% of U.S. banks and credit unions

By rate
  • Purchase APRPurchase APR7.90%

Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.

How the score works →

Where Memphis City Employees 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.

Who can join Memphis City Employees Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of MCR Safety are eligible for membership.
  • Employees of MLGW are eligible for membership.
  • Employees of Smith & Nephew are eligible for membership.

Military, government and schools

  • Employees of Airport Authority are eligible for membership.
  • Employees of the City of Bartlett are eligible for membership.
  • Employees of the City of Memphis are eligible for membership.
9 more ways to join

Military, government and schools

  • Employees of the IRS Service Center in Memphis, TN are eligible for membership.
  • Employees of Memphis & Shelby County Library are eligible for membership.
  • Employees of Shelby County Sheriff's Office are eligible for membership.

Family and household

  • All immediate family of current members can become members regardless of residency.
  • Members of the immediate family or household of individuals in the field of membership are eligible for membership.
  • Spouses of persons who passed away while within the field of membership are eligible for membership.

Other ways

  • Individuals who were eligible for membership with Agility Financial Credit Union are eligible for membership.
  • Persons retired as pensioners or annuitants from the qualifying employment groups are eligible for membership.
  • Individuals who were eligible for membership with Smith & Nephew Employees Credit Union are eligible for membership.

Cost to join

  • A minimum deposit of $5.00 into a Savings Account is required to become a member.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Memphis City Employees Credit Union overview