Credit union · NCUA insured
MPS Credit Union Credit Card Rates
MPS Credit Union credit cards start at 9.90% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How MPS Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where MPS Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MPS Credit Union
9.90%APR
Visa Platinum Card
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
MPS Credit Union credit card score
84
Credit card score
Higher than 65% of U.S. banks and credit unions
- Purchase APRPurchase APR9.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MPS 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 Classic Card
No annual fees. No balance transfer fees. Low fixed rate. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.50% | None | Fixed APR for purchases, cash advances, and balance transfers. |
Visa Fresh Start Card
Ideal for those with past credit challenges. No annual fees. No balance transfer fees. Low fixed rate. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.50% | None | Fixed APR for purchases, cash advances, and balance transfers. |
Visa Gold Card
No annual fees. No balance transfer fees. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.90% | None | Introductory APR for first 6 months for purchases, cash advances, and balance transfers. |
| Ongoing | 12.90% | None | Fixed rate thereafter for purchases, cash advances, and balance transfers. |
Visa Kick Starter Card
Ideal for those with limited credit. No annual fees. No balance transfer fees. Low fixed rate. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.80% | None | Fixed APR for purchases, cash advances, and balance transfers. |
Visa Platinum Card
No annual fees. No balance transfer fees. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | Introductory APR for first 6 months for purchases, cash advances, and balance transfers. |
| Ongoing | 9.90% | None | Fixed rate thereafter for purchases, cash advances, and balance transfers. |
Visa Secured Card
Credit-building solution allowing member to set own credit line. Also listed as Visa Share Secured Card. No annual fees. No balance transfer fees. Low fixed rate. Effective January 1, 2026.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.80% | None | Fixed APR for purchases, cash advances, and balance transfers. |
Who can join MPS 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, or worships in Miami-Dade, Broward, Palm Beach, Monroe, Martin, or St. Lucie Counties.
Employers and groups
- Businesses located in Miami-Dade and Broward County can join the credit union.
Military, government and schools
- Membership is open to postal employees and retirees as well as Federal Government employees.
Family and household
- Membership is open to families of Federal Government employees.
- Immediate family members of credit union members are eligible to join regardless of where they live.
Cost to join
- Joining requires opening a Member Savings Account with a $5 deposit (representing a share in the Credit Union).
Membership information collected October 5, 2026.