Credit Cards

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	13.25%	13.25%

Frequently Asked Questions

Can I get a cash advance with my Members Heritage Visa?

Yes. Cash advances are available at any Members Heritage location at the teller window or ATM.

What if I need an additional card for someone in my family?

You can get an additional card for an eligible family member; just ask us.

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

How can I avoid paying finance charges on my credit card balance?

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.

If I get a cash advance, will it accrue a finance charge?

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.

Will I be liable if my card is lost or stolen?

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.

Report a lost or stolen credit card by calling: 866.604.0381 or 727.570.4881

Are there any countries off-limits for foreign transactions?

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.

What is EZCardInfo?

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 www.eZCardInfo.com.

How do the ScoreCard Rewards work?

You receive one ScoreCard Reward point for every dollar you spend. 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

What if I need help with my credit card?

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.

How do I become a member of Members Heritage Credit Union?

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.

Does Members Heritage have a Debit Card option?

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.

Is there a replacement card fee?

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

How do I open an account at Members Heritage?

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. Find out more and apply to join here.

Give yourself some credit

Competitive Rates are Just the Beginning

Just a few of the benefits include:

Great Rates

Earn Rewards

Online Statements

Avoid Fees

Current Rates

Other Borrowing Options

Frequently Asked Questions