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Credit Cards

Low rates or cash-back rewards, EMUCU Visa® credit cards are built for your lifestyle. No annual fees, just unbeatable perks. Find your perfect fit today!

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Our Credit Card Options

Visa® Platinum Optimum Visa® Platinum Cash Rewards
Visa® Platinum Optimum

The Low-Rate Option

While other credit cards charge over 20.00% APR on average, EMUCU's Visa® Platinum Optimum offers one of the lowest interest rates available, starting at just 8.99% APR*. It's a smart, affordable way to manage your spending and build credit with confidence.

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  • Enjoy Rates as Low at 8.99% APR*
  • No Annual Fee
  • No Balance Transfer & Cash Advance Fees

Compare EMUCU Visa® Credit Cards

Not sure what to choose? Let us help.

Whether you're looking for a lower interest rate or a cash-back rewards program, EMUCU offers two Visa® credit card options to suit your needs. Both provide maximum buying power, low fees, and advanced security features.

Visa® Platinum Optimum

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FAQs

Yep! EMUCU is a division of UMCU, so you can access all of the same products, services, and financial resources at any of our branches.

Nope! We welcome all members of UMCU, EMUCU, and the local community.

No — we are not closing. Our Plymouth Road branch is relocating to a brand new building less than a mile down the road. We are still happily serving you with a new facility.
We invested in a newly built facility to give our Plymouth Road members an even better experience — more space, modern services, and a branch we're proud to call home in this community.
The existing Plymouth Road Branch will close to members on Saturday, May 2nd. The new branch will officially open on Monday, May 4th.
The new Plymouth Road Branch is located at 2935 Plymouth Road, Ann Arbor MI — less than a mile from the existing location. It is easy to find and even easier to get to.

No — your branch phone number stays exactly the same. Nothing changes on your end for reaching us by phone.

Not at all. Your accounts, routing number, account numbers, debit card, and membership status are completely unaffected by the move.
The ATM at the existing Plymouth Road Branch will no longer be available after Saturday May 2nd. The new branch has a fully equipped ATM available starting Monday May 4th. You can also use any UMCU branch ATM or our ATM network — check our website or app for the nearest location.
Hours are unchanged. Hours will also be listed on our website and Google Business Profile.

Disclaimer

*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-EMUCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

**Offer subject to credit approval. APR as low as 12.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-EMUCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.