Credit union · NCUA insured
Michigan First Credit Union Credit Card Rates
Michigan First Credit Union credit cards start at 12.74% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Michigan First Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Michigan First Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Michigan First Credit Union
12.74%APR
Michigan First Rewards Mastercard
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
Michigan First Credit Union credit card score
69
Credit card score
Higher than 24% of U.S. banks and credit unions
- Purchase APRPurchase APR12.74%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Michigan First 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.
Michigan First Rewards Mastercard
Rates are based on credit score and subject to change without notice. No annual fee or balance transfer fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74% | None | Standard APR as low as 12.74% based on credit score. Max credit limit $25,000. |
| Intro, 6 months | 5.99% | None | Introductory APR of 5.99% for six months from the month the card is opened for qualifying merchant transactions on cards opened between September 1 and December 31, 2026. Cash advances and balance transfers are excluded. |
Secured Mastercard
Secured by funds in a Michigan First Savings Account. After 12 months of successful account management, cardholders may be eligible to apply for Michigan First Rewards Mastercard.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 24.74% | $50 | Variable APR determined by Prime Rate + Margin of 16.74%, maximum 25.00%. Applies to purchases, balance transfers, and cash advances. Annual fee is $50. |
Who can join Michigan First Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.