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Re-establish your credit with a great low rate and no annual fee

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Re-establish your credit with a great low rate and no annual fee

Apply Now
The Members 1st Share Secured credit card provides an easy and affordable way to rebuild credit and unlock financial opportunities. As your payment history and card usage improves, so does your credit score, helping you qualify for more favorable financing in the future.

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Start your free application now and get an online decision in as little as a few minutes.

  • Apply online with no branch visits
  • No application fee or obligations
Apply Now

Transfer Your Balance

Transfer a balance from your high interest credit card for a lower rate with no annual fee.

  • Payoff high interest credit cards
  • No annual fee
Transfer A Balance

Increase Your Credit Line

Request an increase in your credit line and receive your increase in as few as 24 hours.

  • Request line increase online
  • Receive increase in as few as 24 hours
Request Credit Line Increase
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Reason to relax6.99% Balance Transfers

Promotional 6.99% fixed APR* for 12 months with no transfer fee and no deferred interest.

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*APR = Annual Percentage Rate. Subject to credit approval on new cards. The promotional rate is 6.99% fixed APR for 12 months with no balance transfer fee. Thereafter, the prevailing APR will be applied to the outstanding balance. Limited time offer. Subject to change without notice.

Card Features

Credit builder

Re-establish your credit with the Members 1st Share Secured credit card. Transition your card to a Visa Classic after routine on-time payments and credit qualifications have been established.

Low interest rate

Get a great rate starting as low as 18.990% APR*.

$0 annual fee

Pay no annual fee with the Members 1st Visa Share Secured credit card.

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.

Low cash advance APR

Most other financial institutions charge an inflated APR on cash advances, much higher than your purchase APR. Your Members 1st Visa Share Secured credit card cash advance APR is the same as your purchase APR, saving you money on finance charges.

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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Contactless Purchases

Making contactless purchases is as easy as look, tap, and go.
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LookFind the Contactless Symbol at checkout

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TapSimply tap your contactless card on the checkout terminal

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GoYour payment is processed in seconds

Interest Savings Calculator

Choose the interest rate of your current credit card and your monthly spending to see how much you could save with our Visa Classic card.

The figures entered on the input page of this calculator are for hypothetical purposes only. You should enter figures that are appropriate to your individual situation. The results provided by this calculator are also intended for illustrative purposes only and accuracy is not guaranteed. Members 1st Credit Union and its affiliates are not tax or legal advisors. This calculator is not intended to offer any tax , legal, financial, or investment advice and does not assure the availability of or your eligibility for any specific product offered by Members 1st Credit Union, its affiliates or any other institution, nor does this calculator predict or guarantee the actual results of any investment product. The terms and conditions of products offered by institutions will differ and may affect the results of the calculator. Please consult with qualified professionals to discuss your situation. The final APR may differ from the APR in the above results due to additional fees that may be applicable. Please contact a Members 1st Credit Union loan specialist for an accurate estimate on your personal finances.

Compare Credit Cards

See how the Members 1st Secured Visa Card stacks up against the competition

Comparison based on information obtained on issuers' websites or from customer service representatives as of November 2021.

See which Members 1st card is right for you

Compare all Members 1st credit card features and benefits

Wealth Protection

Protect yourself and your family from unexpected life events. Receive credit card payment assistance and/or forgiveness with a Wealth Protection plan from Members 1st.

Rates

Rates

APR* as low as

Rates

APR* as low as

VISA Classic

$15,000 Max Limit

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VISA Classic

12.99%

non-variable(fixed rate)

$15,000 Max Limit

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12.99%

non-variable(fixed rate)

VISA Share Secured

$15,000 Max Limit

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VISA Share Secured

18.99%

non-variable(fixed rate)

$15,000 Max Limit

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18.99%

non-variable(fixed rate)

VISA First

$1,000 Max Limit

Apply Now Learn More

VISA First

23.99%

non-variable(fixed rate)

$1,000 Max Limit

Apply Now Learn More

23.99%

non-variable(fixed rate)

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

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