Credit Card

Credit Card


Pay off debt faster and save money on interest
with our low promotional rate 
for 12 months on balance transfers posted on or between
January 2, 2023, and March 31, 2023,
on new or existing card accounts.

 * Special reduced annual percentage rate (APR) is valid on qualifying balance transfers posted on or between January 2, 2023, and March 31, 2022. Promotional rate is good for 12 months from the first qualifying transaction post date, after which the promotional interest rate will return to the individual cardholder’s standard rate at the completion of the offer cycle. The APR is not valid on purchases or cash advances. See your credit card statement for further details. All loans are subject to approval. Some restrictions may apply.

Build your credit, harness the purchasing power of MasterCard®, and enjoy the competitive rates and local service with a Midland Credit Union MasterCard.  Both the MasterCard Classic and Gold offer the following benefits:

Experience the Midland Difference and save money with our low rate MasterCard!

For more details, call a loan officer at 515-645-9334 or

online credit card access

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!

activity alerts

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!


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


Balance Transfer Fees


Cash Advance Fee

$5 for advances at an ATM

Foreign Transactions Fee

1% of each multiple currency transaction in U.S. dollars and .80% of each single currency transaction in U.S. dollars

Late Payment Fee


Return Payment Fee