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Credit Card

Credit Card

ACTION NEEDED:  Automatic payments using your OLD Midland Mastercard Classic or Gold must be updated with your NEW credit card information for any payments processed after 10/12.
Build your credit, harness the purchasing power of MasterCard®, and enjoy competitive rates and local service with a Midland Credit Union MasterCard.

MasterCard Rewards

MasterCard Rate Savvy

  • Rates as low as 12.90% APR*
  • Earn 1% cashback on all purchases
  • No annual fees
  • No balance transfer fees
  • Easy online payments
  • 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. 
DISCLOSURES: MasterCard Rewards & Rate Savvy


Interest Rates and Interest Charges MasterCard Rewards MasterCard Rate Savvy
Annual Percentage Rate (APR) for Purchases 12.90% 9.90%
APR for Balance Transfers 12.90% 9.90%
APR Cash Advances 12.90% 9.90%

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 no minimum interest charge.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at:

Annual Fee None
Transaction Fees  
-Balance Transfer None
-Cash Advance $5 for advances at an ATM
-Foreign Transaction 1% of each multiple currency transaction in U.S. dollars. 1% of each single currency transaction in U.S. dollars
Penalty Fees  
-Late Payment Up to $15
-Return Payment Up to $31

How we will calculate your balance: We use the method called “average daily balance (including new purchases).”

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.


Late Payment: Up to $15 of the amount of the required minimum payment, whichever is less, if we do not receive your payment by the due date listed on your billing statement.

Returned Payment: Up to $31 or the amount of the required minimum payment, whichever is less

Rates, fees, and terms may change: Subject to the applicable restrictions, we may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day notice in writing and a right to opt out in accordance with applicable law.