Members Federal Credit Union

Credit and Debit Cards with Low Rates

Members Federal Credit Union offers convenient debit and credit cards that offer competitive rates as well as rewards programs.

Debit Cards

Enjoy a FREE Members Federal Credit Union VISA Debit Card with an Advantage Checking Account. You can access your account at over 25,000 ATMs nationwide and anywhere VISA is accepted. You'll automatically earn ScoreCard Bonus Points. Plus, the Rainbow Rewards program is an option that lets you earn up to 20% cash back on qualified purchases.

Credit Cards

Take advantage of our low, fixed interest rate VISA Platinum Credit Card. Enjoy no annual fees and no fees for balance transfers and cash advances. It also offers additional features including Travel Insurance Protection and Personal Concierge Services.

Reward Programs for Debit and Credit Cards

Also take advantage of our two free rewards programs that earn up to 20% cash back and points towards merchandise and travel.

ScoreCard Bonus Points ScoreCard

Your new debit card is automatically enrolled in the Scorecard Bonus Point program. Scorecard bonus points are earned with every use your MFCU Debit or Credit Card. Earn 1 point for every dollar spent with the VISA Platinum Credit Card and 1 point for every two dollars spent with the VISA Debit Card on signature based transactions.

Rainbow Rewards ScoreCard

Rainbow Rewards is a free program that gives up to 20% cash back for qualified purchases on a Members FCU Credit or Debit Card. Visit www.rainbowrewards.com for more information and a list of participating businesses.

  • Automatic Enrollment. If you have a Members Federal Credit Union credit card or debit card card, you’re already enrolled.

  • Automatic Cash Back. Your purchases automatically trigger a Cash Back Reward when you use your MFCU Visa Card at participating businesses.

  • Online Cash Accounts. To view your cash account balance or schedule a redemption, register with Rainbow Rewards online or call 1.866.277.0254.

  • Local Charities. Your purchases at participating businesses trigger automatic donations from Rainbow Rewards to the United Way and local public school districts at no cost to you.

    CO-OP ATM Network

    The CO-OP ATM Network is the largest credit union-only ATM network in the country. Enjoy access to over 28,000 FREE ATMS in the United States and over 800,000 worldwide. These ATMs are also located in 5,500 7-Eleven stores across the United States and Canada.

    Credit Tips

    Using Credit Wisely
    Be cautious of "pre-approved credit card" junk mail! Find out more about the interest rate, annual fees, late charges, and other charges that may apply. Avoid any that do not provide clear terms.

    Protect against fraud and identity theft

    • Keep account numbers, expiration dates, and phone numbers in a safe place so that you are prepared to report a loss quickly
    • Never give out your card number over the phone unless you have requested to do so by an entity that you know and trust
    • Report questionable charges immediately and in writing to guarantee your rights
    • Destroy incorrect receipts, and never sign a blank receipt

    Rates

    Click to view our Credit Card Rates online.