Credit Cards

Visa Credit Card

We offer Visa credit cards to meet the differing needs of our members. Our Visa credit cards have:

• $0 Annual Fee
• Rates as low as 9.9% APR* for Purchases and Cash Advances
• 25-day grace period on purchases 
• Credit limits available from $1,000 up to $25,000*
• Manage your card from anywhere with the M1st Mobile App
• Tap to Pay available in your Digital Wallet
• Link your Credit Card to your checking account for Overdraft Protection.

Apply For A Credit Card Here

Secured Visa Credit Card

We offer a Secured Visa Credit Card for members that want to build or repair their credit. With the Secured Visa, you will secure it with your own funds.

• $0 Annual Fee
• Rates as low as 13.9% APR* for Purchases and Cash Advances
• 25-day grace period on purchases
• Secured credit limits available from $1,000 up to $25,000, matching the funds that remain on hold in your Savings account
• Manage your card from anywhere with the M1st Mobile App
• Tap to Pay available in your Digital Wallet
• Link your Secured Credit Card to your checking account for Overdraft Protection.
• Everyone’s approved for a Secured Credit Card

Apply For A Credit Card Here

Click here for the Visa Credit Card Agreement

To view Billing Rights for your statements, click here.

A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash withdrawals and credits to your account.

Need to make a payment on your M1st Credit Card from a different financial institution?

You can now pay your M1st Credit Card payment from a different financial institution! You can choose to make a one (1) time payment online for $6.00 or set it up to come out on a monthly basis for FREE! If you call in to make a loan payment, it is a $10.00 fee.

Make a Loan Payment Here 

Helpful Card Information

*All loans subject to usual credit standards. Annual Percentage Rate (APR) determined by credit score. Credit Limit determined by credit score and income.