Credit Cards

Are you an existing Member One credit card holder? If you’d like to order your new, chip-enhanced EMV credit card, click here.

The gift that keeps on giving: ask us about our EMV VISA® Credit Cards!

Gas. Groceries. Vacation. Lunch with a friend. Bills. Those “I’ve-gotta-have-it” purchases.

No matter what you use it for, we have the best credit card for your needs and lifestyle. Member One FCU credit cards offer great rates, convenience, and online tools to help you manage your money. Ask how we can help you say goodbye to high-interest debt!

No matter which one of our credit cards you choose, you’ll enjoy:

  • No annual fees
  • Zero liability for fraudulent charges
  • Worldwide recognition

Member One Credit Card Options

Card Type Features & Benefits Monthly Periodic Rate Annual Percentage Rate (APR)
Visa® Platinum with Rewards

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  • Earn points toward rewards with every dollar you spend!
  • Limits starting at $2,000
0.9158% 10.99%
Visa® Platinum

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  • Low monthly payments and convenient payment options
  • Limits starting at $1000
0.8325% 9.99%

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  • Low monthly payments and convenient payment options
  • Limits starting at $1000
1.2500% 15.00%


Apply now!

Apply now!

Have a Rewards card? Learn more about the credit card Rewards Program or log in to your Rewards Account.

For more information about our credit cards, call 540-982-8811 or visit one of our branches.


If your Member One credit card is lost or stolen, please call 800-449-7728.

View our Credit Card Fraud Prevention Tips.

*APR = Annual Percentage Rate. This Introductory Rate is valid for balance transfers from other credit card companies, financial institutions or department store charge cards to new Member One FCU VISA Platinum or VISA Platinum Rewards credit cards for a period of 12 billing cycles after account opening and balance transfers. After that, the rate that applies to the existing balances will adjust to 9.99-15.00% APR. Rates and credit limits based on each individuals creditworthiness and underwriting criteria. Minimum credit limit $500. Balance transfers made payable to you, cash or to make payments towards amounts you owe Member One FCU AND purchase, real estate and existing Member One FCU loans are not eligible for this Introductory Rate. Not all applicants will qualify for the lowest rate.