Credit union · NCUA insured
Michigan Educational Credit Union Credit Card Rates
Michigan Educational Credit Union credit cards start at 16.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Michigan Educational Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan Educational Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Michigan Educational Credit Union
16.99%APR
- Up to
- 26.99% APR
Platinum Mastercard
Lowest rate
Construction Federal Credit Union
6.87%APR
- Up to
- —
2nd-lowest rate
Polish-American FCU
6.90%APR
- Up to
- —
Michigan Educational Credit Union credit card score
61
Credit card score
Higher than 3% of U.S. banks and credit unions
- Purchase APRPurchase APR16.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Michigan Educational 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.
Platinum Mastercard
Minimum credit limit $500. Minimum monthly payment of 3% of the unpaid balance or $25, whichever is greater. No annual fee. Variable APR based on creditworthiness and Prime Rate (Margin of 9.99% - 19.99% added to Prime Index). Foreign transaction fee: 1% of converted U.S. dollar amount.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.74%–21.00% | None | Standard variable APR for purchases, balance transfers, and cash advances based on creditworthiness (Prime + 9.99% to 19.99%). No annual fee. |
| Intro, 12 months | 3.99% | None | Promotional rate valid on balance transfers made within 90 days of account opening; fixed 3.99% APR applies for 365 days (12 months) from account open date. No balance transfer fee. Cannot be used to pay off existing MECU loans. |
Sources (2)
All captured Oct 5, 2026
World Rewards Mastercard
Minimum credit limit $5,000. Minimum monthly payment of 3% of the unpaid balance or $25, whichever is greater. No annual fee. Variable APR based on creditworthiness and Prime Rate (Margin of 9.99% - 19.99% added to Prime Index). Foreign transaction fee: 1% of converted U.S. dollar amount.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 16.74%–21.00% | None | Standard variable APR for purchases, balance transfers, and cash advances based on creditworthiness (Prime + 9.99% to 19.99%). No annual fee. |
| Intro, 12 months | 3.99% | None | Promotional rate valid on balance transfers made within 90 days of account opening; fixed 3.99% APR applies for 365 days (12 months) from account open date. No balance transfer fee. Cannot be used to pay off existing MECU loans. |
Sources (2)
All captured Oct 5, 2026
Who can join Michigan Educational 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 anyone who lives, works, worships, or attends school anywhere in the State of Michigan.
Military, government and schools
- Membership is available to employees and retirees of educational institutions located in Wayne, Washtenaw, Oakland, Macomb, Livingston, and Jackson counties.
Family and household
- Membership is available to immediate family members of eligible members and family members (relatives by blood or marriage) of members.
Cost to join
- A $1 membership fee is required upon opening a membership account.
- An initial share deposit of $5 is required to open a membership account.
Membership information collected October 5, 2026.