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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.

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 - Credit Cards

What’s new?

  • You’ll see an 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.
  • Mobile Wallet cards are 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 is no longer available.  
  • MyCard Alerts is no longer available. 
  • Old Mobile Wallet cards no longer work and need to be deleted from your Mobile Wallet. 

Mobile Wallets

What’s a mobile wallet?

  • A mobile wallet is a cell phone application that you can store your card information in, in order to pay at stores using your phone instead of a physical card.

How do I use a mobile wallet?

  • You will need to add your new card to your mobile wallet. At any store that allows tap-to-pay, you should be able to use the digital version of your card (stored in your mobile wallet) to pay. 
  • If you are unsure if a store accepts mobile wallet payments, be sure to ask the cashier.
DISCLOSURES: MasterCard Rewards & Rate Savvy

Interest Rates & Interest Charges

MasterCard Rewards

MasterCard Savvy

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

Late Payment Fee


Return Payment Fee


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. 

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