• No annual fee
• No balance transfer fee
• No fee for cash advances
• Fixed interest rate as low as 9.9%*
• Earn Scorecard bonus points
• Earn cash back through Rainbow Rewards
• 25-day grace period on purchases
• Flexible payment terms
• Accepted at over 22 million worldwide locations
• Apply for a VISA Credit Card online

*rates subject to change based on credit history

• No annual fee
• Use anywhere VISA is accepted (unlimited free transactions)
• VISA purchases are deducted directly from checking and earn Scorecard bonus points
• Earn cash back through Rainbow Rewards
• May be used at merchants supporting the Pulse network (unlimited free transactions)
• May be used for ATM access (12 free transactions per month)
• Saves money on checks
• Apply for a VISA Debit Card online
• In an effort to reduce fraud, signature based debit card transactions will be blocked in all countries except Mexico starting on October 1, 2006.
• You can conduct PIN based transactions as normal and will still have access to ATMs.

• Earn up to 20% cash back at over 1,000 participating businesses by using your Members Federal Credit Union debit or credit card
• Transactions must be signature based to qualify
• For more information and a list of participating businesses, visit www.rainbowrewards.com

• Members earn Scorecard bonus points every time they use their Members Federal Credit Union Debit and Credit Cards to make purchases!
• One point is earned for every dollar with a credit card and one point is earned for every $2.00 spent with your debit card.
• Points may be redeemed for valuable merchandise and travel, including airline tickets!
• The Scorecard Bonus Point program is free to members. There are no fees to earn or redeem points.
• Points accumulate year after year and may not be redeemed if members close their accounts.
• Points expire after 48 months. However, you have one year after the expiration date to redeem your points
• You receive quarterly statements that highlight current number of points and the expiration date for usage
• To redeem points for airfare, hotels, car rental and cruises, contact the ScoreCard Travel Representative at 1-800-842-3006
• Debit cards must be used as credit to accumulate points through ScoreCard and Rainbow Rewards.

If you already have an Members Federal Credit Union debit or credit card, click here to access information on your Scorecard Bonus Points!

The Pulse network allows members to use their ATM and Visa Debit Cards to make purchases and get cash back at thousands of merchants. The network includes several grocery stores, convenience stores, gasoline and other participating retailers — just look for the Pulse logo!

Using the Pulse Pay option is a quick alternative to cash and checks. In addition, because they are not processed as ATM withdrawals, members may enjoy unlimited free Pulse transactions!

Members using their Visa Debit Cards should keep in mind that Scorecard bonus points are not earned with Pulse transactions.