Credit Card

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:

  • Rates as low as 9.99% APR*
  • Earn 1% cashback on purchases
  • No annual fees
  • No balance transfer fees
  • Easy online payments

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





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:

    • Activate new cards
    • View and edit personal profile and account information
    • View real-time balance and statement information
    • Pay your credit card bill online
    • Request a credit line increase
    • Make a service inquiry
    • Request additional cards for other family members
    • Download statements to personal financial software.

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:

  • Purchases over a selected amount
  • International purchase
  • Online and phone purchase when the card is not physically present
  • Declined transactions

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 None
Balance Transfer Fees None
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 $15
Return Payment Fee $31

For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at