Get Rewarded for Holiday Shopping!

We all know that stores offer great deals with their store credit cards this time of year, but along with their great deals comes astronomically high interest rates. In 2019, the average interest rate for store credit cards is 26.01%Now through December 31st, transfer $1,000 or more to an MCCCU credit card and we'll give you 2,500 bonus rewards points*! These bonus points are really just the cherry on top, as MCCCU charges no balance transfer fees (a rarity!) and offers interest rates as low as 9.99% APR*!


If you were to carry a $1,000 balance and make only a $30 minimum payment each month:

Card Interest Rate (APR*) Amount of time needed to pay off balance and total interest that may be charged
Average Store Credit Card 26.01% 5 years, $793.52
MCCCU Credit Card


3 years and 4 months, $176.20

Learn more about MCCCU Credit Cards



Credit Cards
Effective Date: Sunday December 8, 2019
APR* RangeEstimated Payment
9.99% - 17.99% 3% of balance**
*APR = Annual Percentage Rate. Lowest rate is for top tier credit. Click here for full card disclosures.
**Payment will be 3% of balance owed or $30, whichever is greater






*APR = Annual Percentage Rate. Promotion valid for balance transfer applications for amounts equal to or greater than $1,000 submitted for new or existing MCCCU consumer cards between November 12th - December 31st, 2019. Rewards points will be awarded at the time of balance transfer approval and will show up as a credit on your rewards points statement the following month. Balance transfers may not be used to pay off MCCCU credit cards or other MCCCU accounts. All credit cards are subject to approval. Total value of balance transfer cannot exceed your available credit line. Terms and conditions apply.

** 9.99% APR is MCCCU's lowest available credit card rate. Actual rate determined by credit worthiness.

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