Get Competitive Rates
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.
Additional Credit Card Benefits
Great Rates
Low, fixed, or variable annual percentage rates (APR)
Avoid Fees
No balance transfer or annual fees
Free Balance Transfer
Transfer your balance from a higher interest rate card for free
Cash Advance
Cash Advances are available at any location
Additional Cards Available
Get an additional card for your eligible family member
Customer Service
Customer Service is available to help with your card 24/7
Credit Card Rewards
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.
Current Credit Card Rates
Visa Credit Cards
Effective Date: 4/1/2025
No Annual Fee
| Type | Rates as low as | APR* |
|---|---|---|
| Best for borrowers who want predictability | ||
| VISA - Set Rate | 9.75% |
9.75% |
| Best for borrowers who want to take advantage of low interest rates | ||
| VISA - Variable Rate | 12.75% |
12.75% |
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:
Mortgages
Home Equity Loan
Leverage your home’s equity as a convenient, low-cost way to borrow large sums at a favorable interest rate.
Signature Loans
MHCU makes it easy to get the funds you need fast with our flexible, low-interest rate, Signature loan.