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Credit Cards

THE CREDIT CARDS YOU WANT ARE HERE.

Members First Credit Union of Florida offers our members an excellent selection of credit cards. Each card comes with a fixed rate that is low and competitive, meaning you never have to worry about surprise rate hikes.

MasterCard:
  • 12.9% APR
  • No annual fee
Visa Platinum (Option One):
  • Fixed rate at only 10.9% APR
  • Low annual fee of only $12.00
Visa Platinum (Option Two):
  • Fixed rate at only 12.9% APR
  • No annual fee

Our cards are also issued with the extra protection of EMV chips.

To apply for one of these great credit cards, click here.

Once you have your Members First Credit Card (in addition to your Checking Account and Direct Deposit), be sure to join our Rewards Club so you can start earning rebates on purchases made with your card. Check out our Rewards Club page to learn more about all the other benefits and to apply today.

LOST/STOLEN CREDIT CARD? Call (800) 325-3678.  DISPUTES? Call (800) 600-5249.

 

Credit Card Type/Program  MasterCard  Visa Platinum Option 1 Visa Platinum Option 2
Annual Percentage Rate for Purchases 12.9% 10.9% 12.9%
Cash Advance Annual Percentage Rate 12.9% 10.9% 12.9%
Balance Transfer Annual Percentage Rate 12.9% 10.9% 12.9%
Grace Period For Repayment of the Balance Purchase 25 Days 25 Days 25 Days
Method of Computing the Balance for Purchases
(Including New Purchase)
Average Daily Balance Average Daily Balance Average Daily Balance
Annual Fee None $12/year None

Late Payment:
$27.00 - First Occurrence
$37.00 - Subsequent Occurrence
Late Payments will be charged $27.00 for the first occurrence and $37.00 for any subsequent occurrence of the same type that occurred during the same billing cycle or during one of the next six billing cycles.

Returned Payment:
$27.00 - First Occurrence
$37.00 - Subsequent Occurrence
Returned Payments will be charged $27.00 for the first occurrence and $37.00 for any subsequent occurrence of the same type that occurred during the same billing cycle or during one of the next six billing cycles.

For our complete credit card disclosure, click here.

As part of your Members First Digital Wallet experience, you can also add your Credit Card to Apple Pay™, Android Pay™, Samsung Pay® or Visa® Checkout.

The information about the costs of the cards described above is accurate as of July 2010. This information may have changed after this date. To find out what may have changed, call (850) 434-2211 or write to:

Members First Credit Union of Florida
P.O. Box 12983
Pensacola, FL 32591-2983

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). Please see your account agreement for an explanation of this method.

Billing Rights: Your account agreement provides information on your rights to dispute transactions and how to exercise those rights.

APR = Annual Percentage Rate. Rate is subject to credit approval.

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NMLS #405711
Equal Housing Lender National Credit Union Administration
This Credit Union is federally-insured by the National Credit Union Administration. We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.
Members First Credit Union of Florida is not affiliated with Members First Credit Union (Kentucky)
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