Credit union · NCUA insured
MTCU Credit Card Rates
MTCU credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How MTCU’s credit card rates compare
Compared with banks and credit unions near Midland, TX, where MTCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
MTCU
10.90%APR
Mastercard Gold
Lowest rate
Complex Community Federal Credit Union
6.90%APR
2nd-lowest rate
First Basin Credit Union
9.90%APR
MTCU credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where MTCU 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.
MasterCard
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Rate is the same for purchases and balance transfers. No fees for annual maintenance. |
Sources (2)
All captured Sep 17, 2026
Mastercard Gold
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | — |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 16, 2026
Platinum Card
APR will vary with the market based on the Prime Rate. Rate is based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.75% | None | Tier 1 creditworthiness. APR will vary with the market based on the Prime Rate. |
| Ongoing | 13.75% | None | Tier 2 creditworthiness. APR will vary with the market based on the Prime Rate. |
| Ongoing | 17.75% | None | Tier 3 creditworthiness. APR will vary with the market based on the Prime Rate. |
Sources (1)
- mtcu.org/resources/member-information/rates · captured Oct 16, 2026
Share Secured MasterCard
Share Secured MasterCard available, some restrictions apply. Competitive rate is the same for purchases and balance transfers. No fees for annual maintenance, balance transfers or cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | Competitive rate is the same for purchases and balance transfers. No fees for annual maintenance, balance transfers or cash advances. Some restrictions apply. |
Sources (2)
All captured Oct 16, 2026
Who can join MTCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, attend school, or do business with other legal entities in the Texas counties of Midland, Martin, Glasscock, Andrews, Crane, Ector, Howard, Winkler, Ward, Reagan, or Upton are eligible to join MTCU.
Cost to join
- Joining MTCU requires a minimum deposit of $25 into a savings account.
Membership information collected October 5, 2026.