Credit Cards

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When you open a credit card account, your revolving credit can be used to build a good credit history, provide security in emergency situations and make purchases worldwide anytime of day.We can help you get fast and convenient access to funds for purchases at any of the over one million locations worldwide where MasterCard® is accepted.

Toll Free Number to Report Lost/Stolen MasterCard, please call 1-800-820-8450.


Memorial Credit Union MasterCards® have now come with built-in chip technology.

Credit Card Features

  • No Annual fee – Enjoy all the benefits and privileges of your card with No Annual Fee. 
  • Fixed low rate
  • 24/7 Fraud Protection
  • Low interest rates
  • Enhanced security with an embedded microchip, EMV Chip Technology
  • Secure, Free Online Account management at GoToMyCard
  • Shop over 2,000 merchants at our Perks Points Mall network and be rewarded even more.


Credit card limits are established for credit cards based on credit history, income and repayment ability.

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EMV Chip Cards chip

We’re happy to announce that we have upgraded all of our Memorial Credit Union credit card with new EMV (EuroPay MasterCard®) computer chip technology that improves fraud protection and security. This makes it even harder for your account information to get stolen and for you to become a victim of identity theft.

What is an EMV Chip Card?
In addition to the embedded chip that’s seen on the front, your new card will continue to have a magnetic strip on the back for merchants who aren’t yet using the chip-activated terminals.

EMV FAQS


View Credit Card Rates

Annual Percentage Rates (APR) Important Credit Card Disclosures
Standard MasterCard
7.90%, 10.90%, 13.90%, or 17.90%
Depending on creditworthiness.
- No annual fee
- No inactivity fee
- No cash advance fee
- 25 day grace period
- Reward Points

View Credit Card Disclosure Information