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Credit Builder Credit Card

Our Credit Builder Mastercard credit card offers a great for those needing to repair their credit, or borrowers just starting out that need to build credit. Let us help you on your financial path ahead!


  • Funds in your share account serve as collateral for the card
  • As little as $200 for the minimum credit limit
  • Works exactly like our normal credit card
  • Limited liability for unauthorized card use
  • Fixed rate of 11.9% for purchases, balance transfers and cash advances
  • No annual fees
  • Card can be issued in our branches the same day you apply


  • Credit requirements are relaxed
  • MCU reports to all three national credit reporting agencies. If used responsibly, this card can positively influence your credit score on all three credit score.
  • Interest rate is very competitive with a fixed rate of 11.9%.
  • Minimum payment of 2.5% or $25, whichever is greater.
  • 30 day grace period on purchases – billing cycle/due date is the 25th of each month.
  • Can protect with Debt Protection coverage.

Interest Rate and Interest Charges

Annual percentage rate (APR) for purchases


APR for Balance Transfers


APR for Cash Advances


How to Avoid Paying Interest on Purchases

Your due date is 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.

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 Consumer Financial Protection Bureau.


Transaction Fees - Foreign Transaction Fee

1.00% of each transaction in U.S. Dollars

Penalty Fees - Late Payment Fee

Up to $25.00

Penalty Fees - Returned Payment Fee

Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)." 

Effective Date:

The information about the costs of the card described in this application is accurate as of October 26, 2015. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other Disclosures:

Late Payment Fee - $25 of the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee - $25 of the amount of the required minimum payment, whichever is less.

Document Copy Fee - $6.00

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