Credit Cards - Merrimack Valley Credit Union

Routing #2113 8492 6
800-356-0067
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Routing #2113 8492 6
800-356-0067
Locations & Hours

Apply for a Loan Open an Account

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Home / Borrow / Credit Cards

You deserve all the credit

Your financial needs are as individual as you are! Each of our four credit cards has its own personality - choose the one that best matches yours!

With an MVCU credit card, you enjoy:

Competitive interest rates that are lower than typical retail cards
No annual fee
No foreign transfer fee

MVCU Vertical Credit Card

Bag of money in a blue circle

Visa Cash Back

Cash is king! When you use your card, you get¹:

1.00% cash back on everyday spending
2.00% cash back on travel, car rental and hotel

Receive your cash back as a statement credit or deposit it into your MVCU savings account!

PLUS:

Double cash back bonus for the first three billing cycles
Intro rate of 2.99% APR for the first 12 billing cycles
0.00% APR on balance transfers for the first 12 billing cycles* with a 1.00% balance transfer fee

Visa Rewards

Earn rewards points on purchases with your card²:

4x on groceries
3x on gas
2x on travel

Redeem your points for gift cards, travel, or quality merchandise.

PLUS:

Receive a $50 statement credit on the first $2,500 spent in the first three billing cycles
Intro rate of 1.99% APR for the first nine billing cycles
0.00% APR on balance transfers for the first 12 billing cycles* with a 1.00% balance transfer fee

Visa Classic

Get the lowest rate³!

Receive a $50 statement credit on the first $1,500 spent in the first three billing cycles
Intro rate of 1.99% APR for the first 12 billing cycles
0.00% APR on balance transfers for the first 15 billing cycles* with a 1.00% balance transfer fee

Visa Secured

Build or repair your credit⁴!

This card is 100% secured by funds in your MVCU account.
Make regular, on time payments and watch your credit score go up!

*The 0.00% APR balance transfer fee offer does not apply to balance transfers from RTN or Ocean Spray Employees FCU credit cards.

Application and Solicitation Disclosure

Credit Agreement

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Disclosures

¹Visa Cash Back

Annual Percentage Rate (APR) for Purchases - 2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 15.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers -0.00% Introductory APR for a period of 12 billing cycles. After that, your APR will be 15.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances- 18.00%. This APR will vary with the market based on the Prime Rate. No annual fee.

²Visa Rewards

Annual Percentage Rate (APR) for Purchases - 1.99% Introductory APR for a period of 9 billing cycles. After that, your APR will be 13.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers -0.00% Introductory APR for a period of 12 billing cycles. After that, your APR will be 13.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances- 18.00%. This APR will vary with the market based on the Prime Rate. No annual fee.

³Visa Classic

Annual Percentage Rate (APR) for Purchases - 1.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 11.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers -0.00% Introductory APR for a period of 15 billing cycles. After that, your APR will be 11.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances- 18.00%. This APR will vary with the market based on the Prime Rate. No annual fee.

⁴Visa Secured

Annual Percentage Rate (APR) for Purchases - 18.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers- 18.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances-18.00%. No annual fee.