Credit union · NCUA insured
My Community Credit Union Credit Card Rates
My Community Credit Union credit cards start at 12.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How My Community Credit Union’s credit card rates compare
Compared with banks and credit unions near Midland, TX, where My Community Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
My Community Credit Union
12.50%APR
MasterCard Platinum Card
Lowest rate
Complex Community Federal Credit Union
6.90%APR
2nd-lowest rate
First Basin Credit Union
9.90%APR
My Community Credit Union credit card score
70
Credit card score
Higher than 26% of U.S. banks and credit unions
- Purchase APRPurchase APR12.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where My Community 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.
Cash Secured Card
25-day grace period. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.50% | None | Rates as low as 13.50% APR; rates may vary. No annual fee, 25-day grace period. |
Sources (1)
- mccu.coop/checking-savings/per…-cash-back-checking.html · captured Oct 6, 2026
MasterCard Platinum Card
25-day grace period. Foreign transaction fee of 1%. Emergency card replacement, balance transfer opportunities, optional credit insurance available. Charges incurred are due on receipt of account statement.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.50% | None | Rates as low as 12.50% APR; rates may vary. 25-day grace period. No annual fee. |
MasterCard Rewards Card
Earn 1.5 points for every $1 spent. 25-day grace period. Foreign transaction fee of 1%. Charges incurred are due on receipt of account statement.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.49% | $25 | Rates as low as 15.49% APR; rates may vary. $25 Annual Fee (Program Admin Fee). 25-day grace period. |
Who can join My Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County is eligible for membership.
Family and household
- Immediate family members of anyone who lives, works, worships, or attends school in Collin, Ector, or Midland County are eligible for membership.
Cost to join
- Joining requires depositing $5 into a savings account.
Membership information collected October 5, 2026.