Credit union · NCUA insured
Municipal Credit Union Credit Card Rates
Top CarrotMunicipal Credit Union credit cards start at 13.65% APR on purchases, after any introductory rate. Rates checked October 5, 2026.
How Municipal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Municipal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Municipal Credit Union
13.65%APR
- Up to
- 20.65% APR
MCU Visa Platinum
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Municipal Credit Union credit card score
65
Credit card score
Higher than 14% of U.S. banks and credit unions
- Purchase APRPurchase APR13.65%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Municipal 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.
MCU Visa Platinum
Membership is open to anyone who lives, works, worships, or attends school in NYC, and family or household members of existing MCU members. A primary share account is required. No annual fee. No penalty fee. Rates based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.65%–20.65% | None | Variable APR for purchases, depending on creditworthiness at account opening. Varies with the market based on the Prime Rate (7.00%). Balance Transfer Fee is $1.00 or 3.00% of each balance transfer, whichever is greater. |
| Ongoing | 17.90% | None | Fixed APR for cash advances. Cash advance fee is $1.00 or 3.00% of the amount of each cash advance, whichever is greater. |
Sources (3)
- nymcu.org/personal-banking/credit-cards
- nymcu.org/personal-banking/cre…-cards/mcu-platinum-visa
- nymcu.org/rates
All captured Oct 5, 2026
Signature Visa
Membership is open to anyone who lives, works, worships, or attends school in NYC, and family or household members of existing MCU members. A primary share account is required. No annual fee. Rates based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory APR for new cardholders on purchases for the first 12 months based on creditworthiness. |
| Ongoing | 19.24%–23.24% | None | Variable APR after the 12-month introductory period, based on creditworthiness at account opening. Varies with the market based on the Prime Rate (7.00%). |
Sources (3)
- nymcu.org/personal-banking/credit-cards
- nymcu.org/personal-banking/cre…cards/mcu-signature-visa
- nymcu.org/rates
All captured Oct 5, 2026
True Rewards Visa
Membership is open to anyone who lives, works, worships, or attends school in NYC, and family or household members of existing MCU members. A primary share account is required. No annual fee. Rates based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for new cardholders on purchases for the first 12 months based on creditworthiness. |
| Ongoing | 15.74%–22.74% | None | Variable APR after the 12-month introductory period, based on creditworthiness at account opening. Varies with the market based on the Prime Rate (7.00%). |
| Ongoing | 17.90% | None | Fixed APR for cash advances. Cash advance fee is $1.00 or 3.00% of the amount of each cash advance, whichever is greater. |
Sources (3)
- nymcu.org/personal-banking/credit-cards
- nymcu.org/personal-banking/cre…e-rewards-cash-back-visa
- nymcu.org/rates
All captured Oct 5, 2026
Who can join Municipal 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 individuals who live, work, worship, or attend school in New York City (NYC).
Military, government and schools
- Membership is open to employees of New York State or Federal government agencies based in New York.
Family and household
- Membership is open to immediate family members or household members of existing MCU members.
Membership information collected October 5, 2026.