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  Members First Credit Union Texas Visa Credit Card

Members First Credit Union Texas Visa Credit Card

in Personal Credit Cards from Members First Credit Union - Texas

Unaffiliated

Members First Credit Union Texas Visa Credit Card

Unaffiliated

in Personal Credit Cards from Members First Credit Union - Texas

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Highlights
Purchase APR  (Fixed APR) 9.9% - 17.9%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 850
Annual Fee $0

Members First Credit Union Texas Visa Credit Card Review

Members First Credit Union Texas Visa Credit Card is a credit card issued by Members First Credit Union - Texas. If you're wondering whether Members First Credit Union Texas Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • Competitive APRs. Members First Credit Union Texas Visa Credit Card has a fixed purchase APR that ranges from 9.9% up to 17.9%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 600.
Members First Credit Union Texas Visa Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Members First Credit Union Texas Visa Credit Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Members First Credit Union Texas Visa Credit Card FAQ

Is there a Members First Credit Union Texas Visa Credit Card cash back or rewards program?

No, Members First Credit Union Texas Visa Credit Card does not offer a rewards program.

What are the Members First Credit Union Texas Visa Credit Card benefits?

Members First Credit Union Texas Visa Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Members First Credit Union Texas Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Members First Credit Union Texas Visa Credit Card has lower than average purchase APRs.

Members First Credit Union Texas Visa Credit Card has a fixed purchase APR that ranges from 9.9% up to 17.9%.

Does Members First Credit Union Texas Visa Credit Card have an introductory APR offer on balance transfers?

No, Members First Credit Union Texas Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Members First Credit Union Texas Visa Credit Card have an introductory APR offer on new purchases?

Members First Credit Union Texas Visa Credit Card does not offer an introductory rate on new purchases.
Members First Credit Union Texas Visa Credit Card Purchase Intro Offer
Description

What are the fees for Members First Credit Union Texas Visa Credit Card?

The following fees apply to Members First Credit Union Texas Visa Credit Card:

Members First Credit Union Texas Visa Credit Card Fees
Fees Amount
Annual Fee $0

Does Members First Credit Union Texas Visa Credit Card report your account activity to credit bureaus?

Yes, Members First Credit Union Texas Visa Credit Card reports your account activity to the following credit reporting agencies:

  • 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 improve your credit.

How to apply for Members First Credit Union Texas Visa Credit Card

  • Visit the Members First Credit Union Texas Visa Credit Card website.
  • 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Balance Computation Beginning balance for a Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or other finance charges and any applicable payments or credits.
Credit Limit $1,000 - $25,000
Purchase APR (Fixed APR) 9.9% - 17.9%
Card Type
  • Low Interest
Card Network Visa

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