Online Banking Login

Forgot Password [?]

Credit Card

Credit Card

Build your credit, harness the purchasing power of MasterCard®, and enjoy competitive rates and local service with a Midland Credit Union MasterCard.

CURRENT
MasterCard Classic & Gold

NEW
MasterCard Rewards

NEW
MasterCard Rate Savvy

Applications for these card options will no longer be available after 9/25. 

At 6:01 AM on 10/12, both of these card options will be deactivated. Please contact us at (515) 278-1994 if you have questions.

  • Rates as low as 9.99% APR*
  • Earn 1% cashback on purchases
  • No annual fees
  • No balance transfer fees
  • Easy online payments

10/12 at 6:01 AM – NEW Cards will be activated and available for new applications.  

  • Rates as low as 12.90% APR*
  • Earn 1% cashback on all purchases
  • No annual fees
  • No balance transfer fees
  • Easy online payments

10/12 at 6:01 AM – NEW Cards will be activated and available for new applications.    

  • Rates as low as 9.90% APR*
  • No annual fees
  • No balance transfer fees
  • Easy online payment

Experience the Midland Difference and save money with our low-rate MasterCard! For more details, call a loan officer at 515-645-9334 or Apply Online.

FAQ - New Credit Cards

What’s new?

  • NEW cards will be mailed in October and you may begin using them on 10/12 at 12:00 AM.  
  • You’ll see a new MC Savvy or MC Rate suffix in Online and Mobile Banking.
  • Each cardholder will have a unique credit card number.
  • Full access to all card activity and immediate payments on Online and Mobile Banking.
  • Credit reporting will be effective with the end-of-month balance versus the statement date balance.
  • Accumulated rewards on current cards will be applied to your 10/11/2023 statement.
  • New Mobile Wallet card will be available with a new look and design.

What’s staying the same?

  • You will NOT need to complete a new credit card application.
  • The statement date is on the 11th, and payment is due on the 8th.

What’s discontinued?

  • MyCard Info will no longer be available.  
  • MyCard Alerts will no longer be available. 
  • Old Mobile Wallet card will no longer work and needs to be deleted from your Mobile Wallet. 

Online Credit Card Access

Activity Alerts

Note: This service will end on 10/11/23 at 12:00 p.m.  

MyCardInfo is a FREE service that allows you access to your credit card account 24 hours a day, seven days a week. This added service allows you to keep track of all your credit card activity.

With MyCardInfo You can:

Enroll in MyCardInfo today!

Note: This service will end on 10/11/23 at 12:00 p.m.  

Start protecting your credit card by signing up to receive transaction alerts.  You can choose to receive a text message or email when your card is used for specific transaction types or dollar amounts:

You may change your alert preferences at any time.

Register in MyCardAlerts today!

Fees MasterCard Classic & Gold

Interest Rates & Charges

MasterCard Classic

MasterCard Gold

Annual Percentage Rate (APR) for Purchases

12.9% APR

9.9 APR%

APR For Balance Transfers

12.9% APR

9.9 APR%

APR For Cash Advance

12.9% APR

9.9 APR%

How to Avoid Paying Interest on Purchases:  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge:  If you are charged interest, there is not a minimum interest charge.

Annual Fees

None

Balance Transfer Fees

None

Cash Advance Fee

$5 for advances at an ATM

Foreign Transactions Fee

1% of each multiple currency transaction in U.S. dollars and 1% of each single currency transaction in U.S. dollars

Late Payment Fee

$15

Return Payment Fee

$31

Fees MasterCard Rewards & Rate Savvy

Annual Fees

None

Balance Transfer Fees

None

Cash Advance Fee

$5 for advances at an ATM

Foreign Transactions Fee

1% of each multiple currency transaction in U.S. dollars and 1% of each single currency transaction in U.S. dollars

Late Payment Fee

$15

Return Payment Fee

$31

How to Avoid Paying Interest on Purchases:  Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge:  If you are charged interest, there is not a minimum interest charge.