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Visa Rewards
Perfect for members who love to travel, this card lets you rack up valuable points on everyday purchases, while giving you the added peace of mind of travel protections at no extra cost.
FEATURES INCLUDE:
- 14.90% APR1 for a rewards-and-travel card at competitive rates
- No Annual Fee means all the benefits with no cost to carry.
- Rewards Points on Every Purchase2 that you can redeem for travel and more
- Global Acceptance at millions of locations worldwide and online
- Built-in Travel Protections like lost luggage coverage and emergency assistance
- Fraud Protection3 with Zero Liability to cover you if your card is lost or stolen
- Digital Wallet Ready for easy, secure, and private transactions with Apple Pay, Google Pay, and Samsung Pay
1 APR = Annual Percentage Rate. APR as of November 10th, 2025. Programs, rates, terms, and conditions are subject to change without notice. Foreign Transaction Fee – 1.00% of each multiple and 0.80% of each single currency transaction in U.S. dollars. Balance Transfer Fee – 1.00% of the total balance transferred. Subject to credit approval.
2 Current cardholders can review points earned and redemption information at the following link or by calling 833-606-4224. Reward points earned are 0.50 per dollar spent and will expire 12 months after they are earned. Refer to the Maine State Credit Union Rewards Program for more information.
3 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
Smart Rate Visa
If you want simplicity, savings, and flexibility, you want this low-rate, no-frills card. Whether you carry a balance or want a reliable low-cost credit option, it’s ideal for everyday purchases, unexpected expenses, or consolidating high-interest debt.
FEATURES INCLUDE:
- 9.90% APR1 to help you save on interest costs
- No Annual Fee to keep your credit costs simple and affordable
- Fraud Protection2 with Zero Liability to cover you if your card is lost or stolen
- Global Acceptance at millions of locations worldwide and online
- Digital Wallet-Ready for easy, secure, and private transactions with Apple Pay, Google Pay, and Samsung Pay
- Easy Account Management through mobile banking or at your local branch
Credit Card
Effective As of 11/25/2025
| Account Type | APR* as low as 1 |
|---|---|
| Account Type Smart Rate Visa Card | APR* as low as 1 9.90% |
*APR=Annual Percentage Rate
**Loans subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
1 APR = Annual Percentage Rate. APR as of November 10th, 2025. Programs, rates, terms, and conditions are subject to change without notice. Foreign Transaction Fee – 1.00% of each multiple and 0.80% of each single currency transaction in U.S. dollars. Subject to credit approval.
2 Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use.
Elevate Visa
Designed for members ready to build or rebuild their credit, this secured card offers a simple, affordable way to take control of your financial future—whether you’re just starting out or working to improve your score.
FEATURES INCLUDE:
- 11.90% APR1 to keep your costs manageable as you build or rebuild your credit
- Reliable Tool to establish or strengthen your credit history with on-time payments
- No Annual Fee2 to keep costs low while you work toward your financial goals
- Global Acceptance at millions of locations worldwide and online
- Fraud Protection with Zero Liability to cover you if your card is lost or stolen
- Easy Account Management through mobile banking or at your local branch
Credit Card
Effective As of 11/25/2025
| Account Type | APR* as low as 1 |
|---|---|
| Account Type Elevate Visa Secured Card | APR* as low as 1 11.90% |
*APR=Annual Percentage Rate
**Loans subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.
*APR=Annual Percentage Rate
**Loans subject to membership eligibility, and credit and underwriting approval. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.