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Rates

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Personal Credit Cards

Card Type Introductory APR Standard APR
Member Everyday Visa® 3.99% APR for the first 12 billing cycles* as low as 9.99%**
Member Premier Visa® Signature 3.99% APR for the first 12 billing cycles* as low as 13.99%**
plusONE Visa® Cashback 3.99% APR for the first 12 billing cycles* as low as 14.99%**
*Introductory rate is valid for purchases and balance transfers from other credit card companies, financial institutions, or department store charge cards to a new Member One credit card for a period of 12 billing cycles after account opening with a Monthly Periodic Rate of 0.4917%. After that, the rate that applies to the existing balances will adjust from 9.99% APR with a Monthly Periodic Rate of 0.8325% up to 17.99% APR with a Monthly Periodic Rate of 1.4992%. Rates and credit limits are based on each individual’s creditworthiness and underwriting criteria. Balance transfers made payable to you, cash, or to make payments towards amounts you owe Member One FCU, are not eligible for the introductory rate. **APR means Annual Percentage Rate. The rate and term may vary depending on each individual’s credit history and underwriting factors. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Credit card foreign transaction fees: 1.00% of each transaction in U.S. dollars.

Business Credit Card

A secure, reliable credit card designed for business owners just like you. Earn points on every dollar you spend, then redeem them for travel or merchandise as you grow your business.

Card Type Introductory APR Standard APR
Visa® Platinum Rewards Business 3.99% APR for the first 12 billing cycles* 11.99%**
* The Introductory Rate for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following issuance of your card. After that, the rate that applies to the existing balances will adjust to 11.99% APR with a Monthly Periodic Rate of 0.9991%. Any existing balances on Member One Federal Credit Union loan or credit card accounts are not eligible for the Introductory Rate for balance transfers. **APR means Annual Percentage Rate. Your interest rate is fixed but is subject to change upon advance notice to you. Other restrictions may apply. Credit card foreign transaction fees: 1.00% of each transaction in U.S. dollars.