Last Updated: 07/28/2025
Members Cooperative CU Everyday Rewards Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
16.74% - 17.99%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
16.74% - 17.99%(Verified 06/21/2024)
Credit Score Range
670 - 850
Annual Fee
$0
Members Cooperative CU Everyday Rewards Card Review
This is a rewards card issued by Members Cooperative Credit Union. If you're wondering whether Members Cooperative CU Everyday Rewards Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 6 months, which is shorter than the average 0% APR period of 12 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 6 months.
- APRs: Members Cooperative CU Everyday Rewards Card has a variable regular purchase APR that ranges from 16.74% up to 17.99%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Members Cooperative CU Everyday Rewards Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Members Cooperative CU Card
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Members Cooperative CU Card FAQ
Does Members Cooperative CU Card have a cash back or rewards program?
Members Cooperative CU Card is a rewards card.
| Description |
Does Members Cooperative CU Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Members Cooperative CU Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Members Cooperative CU Card benefits?
Members Cooperative CU Everyday Rewards Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Members Cooperative CU Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Members Cooperative CU Everyday Rewards Card has a variable purchase APR that ranges from 16.74% up to 17.99%. The card has a variable balance transfer APR that ranges from 16.74% up to 17.99%. It also has a variable cash advance APR of 17.99% .
Does Members Cooperative CU Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 6 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 16.74% - 17.99% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Members Cooperative CU Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 6 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 6 months.
What are the fees for Members Cooperative CU Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
What is the customer service phone number for Members Cooperative CU Card?
The customer service number for Members Cooperative CU Card is (800) 296-8871.
What is the support contact email for Members Cooperative CU Card?
The support contact email for Members Cooperative CU Card is memberservices@membersccu.org.
What is the login page for Members Cooperative CU Card?
You can access the login page of Members Cooperative CU Card here.
How do people rate the customer service and user experience of Members Cooperative CU Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Members Cooperative CU Everyday Rewards Card report your account activity to credit bureaus?
Yes, Members Cooperative CU Everyday Rewards Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Members Cooperative Credit Union perform a hard credit pull?
Yes, Members Cooperative CU Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Members Cooperative CU Card
- Visit the website of Members Cooperative CU Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:30PM
Tuesday
8:00AM - 5:30PM
Wednesday
8:00AM - 5:30PM
Thursday
8:00AM - 5:30PM
Friday
8:00AM - 5:30PM
Saturday
8:30AM - 5:30PM