Credit Cards

If you like to keep things're going to love our credit cards! Now with cash back rewards!Metrum Visa Credit Cards are a must for shoppers, travelers, or anyone with hectic schedules. Enjoy the purchasing power Visa offers and acceptance at millions of merchants worldwide. Learn more about the MCCU VISA Card terms and conditions and Apply today to start enjoying the convenience and privileges of a Metrum Credit Union VISA.

Metrum Premier Rewards Visa® Card

Low Variable Rates
Same low rate for purchases, cash advances, and balance transfers*
No annual fee
Reward yourself with cashback, gift cards, merchandise, travel or charitable donations.*
Easy to maintain and access because it is attached to your MCCU account
Easily access & manage your card inside Online Banking.

Metrum Classic Visa® Card

Low Fixed Rate***
Same low rate for purchases, cash advances, and balance transfers*
No annual fee ***
Easy to maintain and access because it is attached to your MCCU account

* Cash advance and balance transfer fees may apply based on card agreement. Contact the credit union to learn how you can avoid possible fees.
** See Member Rewards by CO-OP Program Rules for details.
*** Annual Percentage Rate determined by credit score.  Classic Card rate of 17.99% APR may be assessed a $15.00 Annual Fee.  Click here to learn more: Application Disclosure

International Traveling Plans? Be sure to notify the CU first to avoid possible service interruptions when using your Debit or Credit Card. Click Here to complete a Travel Notification


ATTENTION VISA Debit and Credit Card Holders:

MCCU Debit and Credit Cards include various methods of fraud protection.

  1. There is a maximum daily limit allowed of $3,000. This limit resets every 24-hours. If you need to make a purchase for above that amount, please contact the Member Service Department to have the limit temporarily increased.
  2. There is a maximum daily limit of $500 allowed for ATM withdrawals.  This limit resets every 24-hours. Note that the ATM may have a lower limit.
  3. Card Watch: watches your card transactions to determine if there may be a possible fraud. All transactions are tracked and compared to your specific typical transaction activity. If an abnormal transaction is made with your card, you may receive an email, text, or phone call from our fraud management company on behalf of the credit union. The contact will be made to confirm the transaction suspected. If we are unable to contact you to confirm the transaction, your card may be blocked to prevent any additional possible fraud.
    • The email will state it is from the Fraud Center with Information on your Metrum Community CU card
    • The text will state that it is from FICO freemsg
    • The phone call will state that it is from ‘chase fraud’ if you have Caller ID.

If you have any questions regarding this improved fraud protection, please contact the credit union at 303-770-4468, option 1.

MCCU Debit and Credit Card Fraud Prevention Service

Every transaction completed using your MCCU Debit or Credit Cards is monitored by our card fraud centers. The monitoring systems have the ability to flag specific transactions as potential fraud and block it from being processed against your account.

When potential fraud is detected, the fraud prevention service will attempt to contact you to confirm the transaction(s). If the service is unable to contact you, your card may get blocked to prevent additional potential fraudulent transactions from occurring.

The phone numbers for the fraud centers are listed below by card type. We suggest that you save these numbers in your mobile phone, with the label “Fraud Center”, so the caller ID will display this should you get a call from the system.

Card Fraud Center: 1-888-241-2440


  • Our messages will never ask you for a PIN or account number.
  • It is important to ensure that your contact information is correct on your account. You may review (and update) your contact information through the It’sMe247 Online Banking system or by calling the CU at 303-770-4468.
  • Be proactive and review your account transactions frequently. If you find a fraudulent transaction, contact the credit union immediately by calling 303-770-4468 option 1.