Members Heritage Visa

Enjoy the benefits of a

Members Heritage Visa!

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Competitive Rates are Just the Beginning

Whether you’re looking for a better rate on your credit card or more flexibility with borrowing, we’ve got good news. A Members Heritage Visa offers that and more.

Just a few of the benefits include:

Avoid Fees

No balance transfer or annual fees

Great Rates

Low, fixed, or variable annual percentage rates (APR)

Earn Rewards

Get ScoreCard Reward Points with every purchase

Online Statements

Manage your card online with eZCardInfo

Members Heritage Credit Union credit card holders are automatically enrolled in our ScoreCard program and earn bonus points when they use their MHCU Visa. One dollar in net retail purchases earns one point.

You have the option to redeem these points for cashback credit, gift cards, merchandise, travel, and more! You can even redeem your ScoreCard bonus points online.

Our Current Rates

Rate as of

FIXED RATE 9.75% NONE Borrowers who want predictability
VARIABLE RATE 8.25% NONE Borrowers who want to take advantage of low interest rates

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“Members Heritage Credit Union is a great place to bank and get loans through. Very helpful employees for anything I need. They make everything easy and fast. Been with them for 31 years.”

Other Borrowing Options

In addition to our rewards card, we have a variety of loan offerings. Here are just a few other loans that could meet your specific needs:

Mortgage & Home Equity Loans

We offer a variety of mortgage loan options, as well as home equity loans and lines of credit.

Learn More

Signature & Secured Loans

Borrow and build credit with our Signature or Secured personal loans.

Learn More

Heritage Loan

Fixed-rate loans are available exclusively to Members Heritage members.

Learn More

*APR = Annual Percentage Rate. This credit union and its policies comply with the Equal Credit Opportunity Act.

Set credit card rates will range from 9.75%-18.00% APR. Variable VISA credit card rates will range from 8.25-17.25%. Your rate may be higher based on your credit history.


You can get an additional card for an eligible family member; just ask us if you need one.

Yes! You can transfer the balance of a higher interest rate card to the new card with no balance transfer fee.

Your billed monthly payment will be 2% of your previous unpaid balance. However, you don’t incur finance charges for new purchases posted to your account during a billing cycle if you had a zero credit balance at the beginning of that billing cycle. The same is true if you paid the entire new balance on the previous cycle's billing statement by the payment due date appearing on that statement.

If neither of these situations apply, then you will accrue a finance charge from the date a purchase is posted to your account. You can avoid an additional finance charge on the balance of purchases by paying the entire new balance on the billing statement by the payment due date that appears on the statement.

There is a 25 day grace period on purchases before finance charges accrue.

Yes. Cash advances begin to accrue finance charges either beginning on the date that you get the cash advance, or from the first day of the billing cycle in which the cash advance is posted to your account. 

The later transaction date is what decides when you begin to accrue finance charges. 

Note that finance charges are calculated separately for purchases and for cash advances.

The sooner you let us know, the better.

Once you notify us of your card’s loss or theft in writing or by phone, you will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your credit card unless you are grossly negligent in the handling of your card. 

Regardless, your liability will not exceed $50.00.

Due to large volumes of credit card fraud, the following countries have been completely blocked for all credit card transactions for your protection:  

  • Australia
  • Israel
  • India
  • Spain
  • Saudi Arabia
  • Russian Federation
  • South Africa

You may use your debit card for foreign transactions, however, please be advised you must use your PIN.

eZCardInfo simplifies managing your credit card account online. Members Heritage members can use Internet access to view their account balance, available credit, payment information, previous account activity, and more. When you enroll in eZCardInfo, you’ll have 24-hour, unlimited, quick, and secure access to:

  • Account balances
  • Remaining credit on your credit limit
  • Past and current statements
  • The ability to download your data onto financial software
  • View your transactions since your last statement
  • Online bill pay
  • Transaction and spending reports
  • Email notifications and alerts related to changes or events on your account

This encrypted and fully protected site gives you the peace of mind that comes with knowing your personal and financial information is secure.  To enroll, or for more information, visit

  • Convenience. You can access your eStatement anytime, anywhere.
  • Statement Archive. View archived statements for 24 months.
  • Security. We protect your eStatement with the latest security measures.
  • Privacy. We email your eStatement directly to your inbox.
  • Flexibility. Need a copy of your statement? Print a paper copy or save it to your device.

FREE! We offer you the convenience, security, privacy, and flexibility of eStatements free of charge.

With a ScoreCard online account, you can log in and view your rewards balance, as well as search and compare different options to redeem your rewards.

Create a ScoreCard account here.

Members Heritage customer service is available 24/7 at 800-876-9119.

To report a lost or stolen card, you can call 866-604-0381 or 727-570-4881.

If you live, work, worship, go to school, or have relatives in one of 22 eligible counties, you could become a member.

Find out more and apply to join here.

A Members Heritage ATM/Visa Debit card offers members surcharge-free transactions at non-Members Heritage ATMs, and unlimited, free access at Members Heritage and Alliance One Network ATMs.

Use the MobiMoney app to activate and deactivate your card and manage your card for responsible budgeting, including limiting transactions and setting account alerts.

Your first replacement card is free. There is a $5.00 fee for a second card replacement.

Getting started is simple. A small $5.00 deposit in a Share Savings account is all you need to begin your relationship with Members Heritage. This account has no monthly fees or surcharges.