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Card Comparison

Which card is right for you?

Memberperks Visa Credit Card

Visa Memberperks Credit Card

As Low as 12.99% APR*

Earn rewards for your everyday purchases redeemable for cash back, gift cards, merchandise, travel, and more. Receive 10,000 bonus points1 for each cardholder. Enjoy no annual fee, a fixed (non-variable) interest rate, and special protection benefits.

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Classic Visa Credit Card

Visa Classic Credit Card

As low as 9.99% APR*

Our low-rate credit card, great for carrying the occasional or ongoing balance to payoff over time. Transfer a balance from a non-Members 1st credit card for a special promotional rate2. Enjoy no annual fee, a fixed (non-variable) interest rate, and special protection benefits.

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FIRST Visa Credit Card

Visa FIRST Credit Card

As low as 24.99% APR*

A rewards card for first-time cardholders where you earn rewards redeemable for cash back, gift cards, merchandise, travel, and more. Receive 10,000 bonus points1 for each cardholder. Enjoy no annual fee, a fixed (non-variable) interest rate, and special protection benefits.

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Share Secured Visa Credit Card

Visa Share Secured Credit Card

As low as 18.99% APR*

Re-establish damaged credit quickly by building positive credit history with the Members 1st Share Secured credit card. Get started with card limits as low as $500. Enjoy no annual fee, a fixed (non-variable) interest rate, and special protection benefits.

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  1. Receive 10,000 bonus points after spending $1,000 in the first 60 days of card opening.
  2. No balance transfer fees on non-Members 1st credit cards; otherwise, a balance transfer fee of 2.5% of each transaction (minimum $5) will be assessed.

Available with all Credit Cards

$0 Annual fee

Pay no annual fee with any Members 1st credit card.

Card security

All purchases are monitored daily. Receive text and phone alerts when suspicious activity occurs.

Visa zero liability policy

Shop with confidence knowing you won’t be held liable for any fraudulent charges made with your card or account information. Learn more about the VISA zero liability policy.

Roadside dispatch services

Utilize Visa’s pay-per-use roadside assistance program offering towing, winching, gas, and other auto-related services. Learn more about the roadside dispatch services.

Fixed Interest Rate

Enjoy an industry leading fixed (non-variable) interest rate on all Members 1st credit cards.

Chip enabled

Your EMV credit card comes with an encrypted microchip embedded in the card, providing an enhanced layer of security to your transactions.

Apple, Samsung, and Google Pay Ready

You already use your phone for just about everything. Now you can pay with it, too. Visit m1cu.org/Pay to learn more

Online, mobile, and telephone account access

Unlimited access to your account with Online Banking, Mobile Banking, Telephone Banking, and the Mobile App.

eStatements/eAlerts

Receive email and text notifications for activity alerts on your account. Plus, access your card statements electronically from anywhere with eStatements.

Contactless Purchases

Making contactless purchases is as easy as look, tap, and go.
wifi symbol

LookFind the Contactless Symbol at checkout

Contactless card tapping a credit card terminal

TapSimply tap your contactless card on the checkout terminal

stick figure walking away

GoYour payment is processed in seconds

Card Protections

Your Members 1st credit card comes with these enhanced protection benefits

Purchase ProtectionProtection from the unexpected
Protection for your purchases against theft from your home or other location up to $1,000 per item.

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Return ProtectionEnjoy a more flexible return policy
Extra return protection from merchants anytime you make an eligible purchase of an item up to $250.

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Travel ProtectionAdd peace of mind to your itinerary
Coverage for your non-refundable fare in case of trip interruption or cancellation up to $2,000 per trip.

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ID THEFT PROTECTIONYour partner against identity theft
ID Navigator has the tools to help keep you informed of threats that may affect your identity.

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Apply now or speak with one of our loan officers at (800) 303-3838.

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