Last Updated: 07/28/2025
Michigan Educational Credit Union Visa Gold Credit Card
Unaffiliated
Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
Starting at 10.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
Starting at 10.9%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
Michigan Educational Credit Union Visa Gold Credit Card Review
This is a card issued by Michigan Educational Credit Union. If you're wondering whether Michigan Educational Credit Union Visa Gold Credit Card is the right card for you, read on.
Key Takeaways
- 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.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Michigan Educational Credit Union Visa Gold Credit Card
| The Good | The Bad |
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Michigan Educational Credit Union Visa Gold Credit Card FAQ
Does Michigan Educational Credit Union Visa Gold Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Auto Rental Collision Damage Waiver
- Extended Warranty Protection
- Travel Accident Insurance
- Reports to major credit bureaus
What are the relevant APRs for Michigan Educational Credit Union Visa Gold Credit 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.Michigan Educational Credit Union Visa Gold Credit Card has a fixed purchase APR starting at 10.9%. The card has a fixed balance transfer APR starting at 10.9% . It also has a fixed cash advance APR starting at 10.9% .
Does Michigan Educational Credit Union Visa Gold Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Michigan Educational Credit Union Visa Gold Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Michigan Educational Credit Union Visa Gold Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $20 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.
Does Michigan Educational Credit Union Visa Gold Credit Card have a foreign transaction fee?
Michigan Educational Credit Union Visa Gold Credit Card charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Michigan Educational Credit Union Visa Gold Credit Card?
The customer service number for Michigan Educational Credit Union Visa Gold Credit Card is (734) 455-9200.
What is the support contact email for Michigan Educational Credit Union Visa Gold Credit Card?
The support contact email for Michigan Educational Credit Union Visa Gold Credit Card is general@michedcu.org.
How do people rate the customer service and user experience of Michigan Educational Credit Union Visa Gold Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Michigan Educational Credit Union Visa Gold Credit Card report your account activity to credit bureaus?
Yes, Michigan Educational Credit Union Visa Gold Credit 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 Michigan Educational Credit Union perform a hard credit pull?
Yes, Michigan Educational Credit Union Visa Gold Credit 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 Michigan Educational Credit Union Visa Gold Credit Card
- Visit the website of Michigan Educational Credit Union Visa Gold Credit 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.
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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 3:00AM
Tuesday
7:00AM - 3:00AM
Wednesday
7:00AM - 3:00AM
Thursday
7:00AM - 3:00AM
Friday
7:00AM - 3:00AM
Saturday
Closed
Other Services by Michigan Educational Credit Union
Other Credit Cards from Michigan Educational Credit Union
Rating not yet determined
Purchase APR
Starting at 11.9%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 11.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
Starting at 9.9%
Disclaimer popup with additional information
Balance Transfer APR
Starting at 9.9%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
8.75% - 16.75%
Disclaimer popup with additional information
Balance Transfer APR
8.75% - 16.75%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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Michigan Educational Credit Union Visa Gold Credit Card Community Reviews
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