Visa Credit Card

Need a little more green in your life?

Keep more green in your wallet with our 6.90%APR* balance transfer and cash advance special. When you transfer your credit card balance from another non-MembersAlliance high interest credit card to a new or current MembersAlliance Visa Credit Card, you get to trade out that old high interest rate for our special 6.90%APR* rate on that balance. Other purchases made on your MembersAlliance credit card will have our great low interest rates, as low as 8.90%APR*. Plus, any cash advances with your MembersAlliance credit card from 2/1/2023 to 4/30/2023 will come with our extra low 6.90%APR* interest rate. Don’t miss the chance to put a little more green back in your wallet. You can apply online today with the comment “6.90% balance transfer special”, or visit any of our locations to take advantage of this special rate. Special rate is available from 2/1/2023 to 4/30/2023.

^{+Your savings insured to $250,000 per account. By members’ choice, this institution is not federally insured. *APR = Annual Percentage Rate. Promotional rate is subject to change. Regular APR range is 8.90-17.90%APR and is determined based on creditworthiness at time of application. Applications subject to credit approval. Special rate available to new and current cardholders. For cash advances & balance transfers made between Feb. 1, 2023-April 30, 2023 the special rate is valid until the promotional balance is paid off. Any cash advances or balance transfers made after Mar. 31, 2023 will be at the APR documented on your statement. Some restrictions may apply.}

• Competitively low APR rates
• No annual fee
• No balance transfer or cash advance fees
• Same great rate on cash advances and balance transfers as purchases (unless better rate available in a special offer)
• Tap to pay with your credit card for a more secure, convenient, and touch free experience
• Make purchases virtually anytime, anywhere
• 25-day grace period for purchases
• $25 late payment fee
• Access account information through online banking
• Automatic payments available from your checking or savings account
• Easily replaced if lost or stolen
• Mobile purchases using tokenization
• A variety of benefits available:
  • ID Navigator Powered by NortonLifeLock^© available complimentary for all credit cardholders
  • $250,000 travel accident insurance coverage
  • Travel and emergency assistance services
  • Cardholder inquiry service
  • Emergency card replacement and emergency cash disbursement
  • Roadside dispatch
• Choice Rewards program available
  • To redeem points, log into your online banking, and click on the Visa Credit Card tab at the top of your screen
• Protected using Verified by Visa
• Customize your own alerts with Visa Purchase Alerts:

  • With near real-time alerts, you can receive updates on your Visa credit card activity through text or email, so you can monitor your Visa purchase activity and act quickly to reduce fraud — wherever you are. 

    To enroll in Purchase Alerts for your Visa credit card visit visa.com/PurchaseAlerts and follow the screens/prompts. If you use Purchase Alerts for you MembersAlliance Visa Debit Card, you will be able to use one login for both. If not, you will need to create an account and enter an email address and/or cell hpone that you would like the Purchase Alerts sent to.

    Visa Purchase Alerts is a consumer opt-in service powered by Visa that will give enrolled cardholders the ability to:

    • Closely monitor their Visa debit accounts
    • Check for unusual transaction activity and/or track spending levels immediately
    • Take action at the first sign of potential fraud

    Once enrolled you can establish specific alert triggers. Anytime a qualified² Visa transaction takes place that meets your defined parameters, you will receive an alert in seconds. Triggers can include: 

    • Individual transaction amount thresholds
    • International transactions
    • Card-absent transactions, such as telephone or online orders

    Alerts are sent to the phone number and/or email you provide at enrollment. These are just informational alerts and should a transaction appear suspicious or fraudulent you should contact the credit union as soon as possible. 

    Actual time to receive Alert dependent on service and coverage within area. Gasoline alerts may not include purchase amounts. Additional restrictions may apply.

     

Visit our FAQ page to learn more.

Teen Xtreme Visa Credit Card 

Teach you teen the value of budgeting and managing credit. These are valuable tools that your teen will use throughout their adult life. Undestanding credit is something many adults, especially young adults, struggle with. Get your teen off on the right foot with a Teen Xtreme Visa Credit Card! They will learn to manage credit and budget for monthly expenses using their own MembersAlliance Visa Credit Card.

Teens must to be 16-17 years old, hold employment, and complete the Banzai Teen Financial Education Course.  Parents must qualify as co-signers and card activity is not reported to the credit bureaus for the teens. Application can be taken at any location. For more information, please contact us directly at 815-226-2260 and ask to speak to a loan officer today.

Earn points just for using your card. You can redeem those points for a wide variety of great rewards. Rewards include travel and merchandise along with event tickets, gift cards, account credit, loan discounts and more!

To view a current list of rewards and the point values, or to redeem points for rewards, simply access your account through your WebDirect online banking login, and then click on the Credit Card tab at the top of your screen. You will enter the Account Overview screen.

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