Get a Credit Card That Makes Life Better!
Discover the NEW MCU Rewards Credit Cards!
Our credit cards are designed to meet you wherever you are on your financial journey. Whether you're covering everyday expenses or planning your next big adventure, we have the perfect card for you. Enjoy No annual fee and 0% Introductory APR for 6 months on balance transfers-plus rewarding benefits that help you live full every day.
Get more from Every Purchase
With the MCU Rewards Credit card, you'll earn points every time you spend- turning everyday purchases into exciting rewards like travel, merchandise, event tickets, gift cards, coupons and more. Don't miss out! Apply today!
MONTEREY CREDIT UNION
CONSUMER CREDIT CARD APPLICATION TRUTH IN LENDING DISCLOSURE
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Interest Rate and Interest Charges |
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Annual Percentage Rate (APR) for Purchase |
11.74% to 24.99% This APR will vary with the market based on the Prime Rate. |
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APR for
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0% Introductory APR for 6 months, then purchase variable APR applies 11.74% to 24.99%
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APR for Cash Advances |
14.74% to 27.99%
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Paying Interest |
We will not charge interest on purchases if the entire account balance is paid within 25 days of statement closing. We will begin charging interest on cash advances and balance transfers on the transaction date. |
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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 Breau at |
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Fees |
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Annual Fee |
None |
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Transaction Fees Balance Transfer Cash Advance Foreign Transaction |
3.00% of each transfer 2.50% of each advance ($5.00 minimum) 1.00% of each foreign currency transaction in US Dollars
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Penalty Fees Late Payment Returned Payment |
Up to $10.00 Up to $29.00 |
How we will calculate your balance: We use a method called "average daily balance (including new purchases)."
All loans subject to credit approval. Rates and variable rate formulas assigned to approved applicants depend on credit history and other factors we may lawfully consider. Rates and terms subject to change without notice.
For more information, please contact us at 831.647.1000 Monday- Friday 9:30am-5:30pm.
The Trailblazer Card
Start strong. Grow stronger.
Perfect for those beginning their financial journey, the Trailblazer Card helps you build credit and confidence while earning rewards with every purchase.
Max Limit: $5,000
The Vineyard Card
Enjoy the finer things.
With financial ease comes freedom. The Vineyard Card is designed for those who savor wine, travel, and the high life earn generous rewards on every purchase.
Max Limit: $7,000
The Coastal Card
Ride the wave. Celebrate every moment.
Enjoy the good life with the Coastal Card. The Coastal Card is ideal for weekend getaways, sunset escapes, and spontaneous adventures. Every purchase earns rewards that make life's best moments even better.
Max Limit: $10,000
The Redwood Card
Deep roots. Endless possibilities.
The Redwood Card reflects a life of growth, strong foundations and new horizons. Whether you're supporting future generations or exploring the world, your rewards grow alongside your achievements.
Max Limit: $25,000
