Apply for a Members Heritage Visa

Print An Application 

Apply Online (new/prospective members)

Current Members, Login to Online Banking to apply


With a Members Heritage Visa, you can enjoy several benefits including the following:

  • NO Balance Transfer Fees!
  • NO Annual Fee!
  • Low, fixed or variable annual percentage rates.  (Check our Current Rates.)
  • Earn ScoreCard Rewards Points with every purchase with automatic enrollment in our ScoreCard program.
  • View your credit card statement online with eZCardInfo.
  • 25 day grace period on purchases before finance charges accrue.
  • Cash advances available at teller window or by ATM machines.
  • Billed monthly payment will be 2% of unpaid balance.
  • Get an additional card for an eligible family member.
  • Transfer balances from higher interest rate balances for savings.
  • And MORE exciting benefits!

Click here to view your VISA Cardholder Agreement
Click here to view the 2009 Credit Card Act Summary

Due to large volumes of credit card fraud in the following countries, they have been completed blocked for all credit card transactions for your protection:  Australia, Israel, India, Spain, Saudi Arabia, Russian Federation, South Africa.  Your debit card can be used, however you must use your PIN number for the transaction.

ScoreCard Credit Card Rewards Program

Members Heritage 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 equals one point. You have the option to redeem these points for Cash Back Credit, Gift Cards, Merchandise, Travel and More! You can even redeem your ScoreCard bonus points online.  Apply for your MHCU credit card today and start earning your own bonus points today.


*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.