Credit Card Rates


  Visa Platinum OptimUM Visa Platinum Cash Rewards
Annual Percentage Rate (APR) for Purchases 8.99% 12.99%
APR for Balance Transfers 8.99% 12.99%
APR for Cash Advances 8.99% 12.99%
Penalty APR and When it Applies There is no penalty APR.
How to Avoid Paying Interest on Purchases Your due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire statement balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge 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

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

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

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If you have questions regarding your 1098 Mortgage Interest Statement with Member First Mortgage, call 866-636-1052.
Equal Housing Lender National Credit Union Administration
Federally Insured by NCUA.
734-662-8200 or 800-968-8628