- Converts to Visa on June 15, 2026
- Interest rate, credit limit, and benefits remain the same
- Rewards points transfer within 60 days
- No action required unless updating recurring payments
| Rewards | Premium | Secured | |
|---|---|---|---|
|
Best For |
Earning Rewards |
Savings $ / Low Interest |
Building or rebuilding credit |
|
Rewards |
Yes, on purchases |
X No |
X No |
|
Interest Rate |
17.99% |
Lower rate (based on Prime) |
17.99% |
|
Rate Type |
Fixed |
Variable |
Fixed |
|
Key Benefit |
Earn points for spending |
Pay less interest over time |
Establish or improve credit |
|
Security Deposit |
Not Required |
Not Required |
Required |
|
Online and Mobile App Card Management |
Yes |
Yes |
Yes |
Visa Rewards Card
Enjoy a card with financial flexibility and worldwide acceptance. You'll earn 1.5 points per dollar spent for travel, merchandise or points to cash. Rebates automatically arrive in your account each quarter. The more you use it, the more you’ll earn with the Visa Rewards card.
Visa Premium Cards
You receive simplicity, flexibility, low interest rates and no annual fees with a Visa Rewards card. Enjoy benefits like travel emergency assistance, auto rental insurance, and travel accident insurance.
Secured Visa Credt Card
Looking for a great starter credit card? A Secured Visa from Memorial CU gives you a low rate and the chance to build your credit score with no annual fee.
Visa Credit Card
Activation
Congratulations! Choosing Visa® from MCU is a smart financial move and it's time to make the most of it. Activate your card, and start enjoying the ease, flexibility & security it provides.
Credit Card Disclosures
FAQ's
What is happening?
We are upgrading our credit card program and moving from Mastercard to Visa to serve you better.
When is this happening?
June 15, 2026.
What to Expect
Will I get a new card?
Yes! You will receive a new Visa card with a new card number.
When will I receive my new card?
Your new card will arrive in the mail before June 15, 2026.
Do I need to activate my new card?
Yes, you can activate your card on June 15th. Please follow the activation instructions included with your card.
What should I do with my old card?
Once your new card is active, securely destroy your old card.
Your Account
Will my rate or credit limit change?
No. Your interest rate and credit limit will stay the same.
Payments and Purchases
Do I need to update automatic payments?
Yes. Because your card number is changing, please update any recurring payments (like subscriptions or utilities).
Will my payment due date change?
No changes are expected.
Rewards
What happens to my rewards points?
Your points are safe! They will transfer to your new card within 60 days after June 15, 2026.
Other Changes
Will my card look different?
Yes.
• Rewards members will receive a Rewards card.
• Other members will receive a Premium card.
Will anything else change?
You may notice updates to your statements or digital experience as part of this upgrade.
Need Help?
If you do not receive your card or have questions, please contact us—we are happy to help.
Subject to approval
With Visa’s Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your Visa card. You’re covered if your card is ever lost, stolen, or fraudulently used. You must use care in protecting your card and you must notify us immediately of any unauthorized use.