A woman sitting at a wooden table holding a credit card and looking at a laptop screen, with potted plants in the background.

A card that's actually on your side.

MyUSA Credit Union Credit Cards keep it simple: competitive variable rates, free credit monitoring with the MyUSA app, and a credit union that treats you like a Member — not a number.

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Balance transfers welcome

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Free credit score monitoring for Members

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Low rates

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8 local branches

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Affordable, Local, Trusted

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Balance transfers welcome • Free credit score monitoring for Members • Low rates • 8 local branches • Affordable, Local, Trusted •

Smiling man in a white shirt and apron looking at a tablet in a cozy, plant-filled room.

FOR A LIMITED TIME

Enjoy 0% APR for 15 months*

Get some much-needed breathing room when you transfer your high-interest credit card balance to a MyUSA credit card.

Get Started

Scroll to the bottom of the page for a direct application link

Everything a card
should be.

Line graph with upward trend and a dollar sign in a circle
Icon of a smartphone with a dollar bill on the screen, representing mobile payment or financial transaction.
Illustration of a computer monitor and a keyboard.
Smartphone displaying a check diagram with a hand pointing at it.

Balance Transfers Welcome

Move high-interest debt from other cards to your MyUSA card and save on interest. Terms apply.

Card Controls in Your App

Lock/unlock your card, set temporary limits, and get push notifications for every transaction right from the MyUSA mobile banking app.

Free SavvyMoney Credit Monitoring

Check your credit score and full report daily for free inside your MyUSA mobile banking app.

ScoreCard Rewards

Earn points on qualifying purchases and redeem them for merchandise, travel, hotels, airfare, and more — rewards made simple and fun!

Get a card in hand in 3 steps

HOW IT WORKS

1

Share your email

No obligation to get started.

2

Apply online in minutes

Quick and easy online — apply and transfer your balance with help from local experts and start saving today.

3

Start shopping

Your card arrives ready to use — activate it and start spending!

GET STARTED

Scroll to the bottom of the page for a direct application link

Trusted by Members

  • The personal service you get from the credit union is something you don't get at the big national banks. Just one more reason why I love banking at MYUSA Credit Union.

    —Linda A.

  • I have been a member here for many years. The workers are the absolute best! Professional, friendly, attentive staff willing to help with anything you need, always making the process feel smooth and non stressful.

    —Chelsea

  • Possibly the best banking experience I've ever had. They have the nicest tellers and staff I've ever seen, who always seem to remember your name and genuinely care.

    —Justin M.

Frequently Asked Questions

  • Variable APR based on the prime rate, ranging from prime plus 4% to prime plus 12%. Check the current rate at myusacu.com/rates before applying.

  • No. There is no annual fee.

  • Yes. Balance transfers are welcome. Terms apply; speak with a MyUSA associate for details before transferring.

  • You'll join as part of the process: just $5 to open your Main Share account. Open to anyone who lives, works, worships, or attends school in Butler, Clark, Greene, Miami, Montgomery, or Warren County, Ohio.

Credit Card Payoff Calculator

Find Us Near You

  • Front view of a MyUSA Credit Union branch with a parking lot containing two handicapped parking spots in the foreground. The building has a large sign displaying the MyUSA logo in blue and red. The sky is partly cloudy.

    Plaza

    BRANCH & ATM

    3600 Towne Blvd
    Middletown OH, 45005

  • Counter at a credit union with multiple service stations and a blue wall with 'MyUSA CREDIT UNION' logo.

    Crawford

    BRANCH & ATM

    1201 Crawford St
    Middletown, OH 45044

  • Drive-thru area of a MyUSA Credit Union branch with a red brick wall, an ATM, and two digital menu signs above the lanes. In the background, there is a parking lot with cars and an AutoZone store.

    Trenton

    BRANCH & ATM

    933 West State St
    Trenton, OH 45067

  • Sign for My USA Credit Union on a stone base with grass and a black pavement nearby, power lines, a fence, and a blue sky with some clouds in the background.

    Vandalia

    BRANCH & ATM

    536 W National Rd
    Vandalia, OH 45377

  • Exterior of a commercial building with a sign that says 'MyUSA' and a red awning over the entrance, surrounded by bushes and a sidewalk.

    Kettering

    BRANCH & ATM

    21 West Dorothy Ln
    Kettering, OH 45429

  • Counter at a financial institution with signs for car loans, credit cards, and home loans. The logo reads 'My USA.'

    Kettering in Reynolds & Reynolds

    BRANCH

    1 Reynolds Way
    Kettering, OH 45430

  • Exterior of a MyUSA Credit Union branch with large front windows and a blue facade.

    Moraine

    BRANCH & ATM

    3115 S Dixie Dr
    Dayton, OH 45439

  • The exterior of a building with a sign that says "My USA" and a partially open door.

    Springfield

    BRANCH & ATM

    1620 Upper Valley Pike
    Springfield, OH 45504

A woman standing in a living room, smiling at her phone. The room has a gray couch, a potted plant, a chair, boxes, and a large blue sleeping bag or cushion on top of a cardboard box.

Benefits you’ll love from a credit union you can trust

Affordable rates, real rewards, and a local team that actually has your back. That's the MyUSA difference.

Apply for a Credit Card

Disclosures

*APR = Annual Percentage Rate. The 0.00% APR promotional rate on Mastercard balance transfers is valid for 15 months from the date of transfer, for balance transfers posted between April 1, 2026 and June 30, 2026. Offer valid only on new balance transfers and only on MyUSA Mastercard credit cards; cannot be used to transfer funds from any existing MyUSA credit card or loan. Offer is not valid on purchases or cash advances. After the promotional period, the standard variable APR for balance transfers will apply, will vary based on individual creditworthiness, and is determined monthly by adding an amount between 4% and 12% to the Prime Rate. Prime Rate is subject to change on the first day of the billing cycle in the month immediately following any such changes in the Prime Rate as published in The Wall Street Journal. Current Mastercard rates as of 3/20/2026 range from 10.75% - 18.75% (see cardholder agreement for complete details). A balance transfer fee of $15.00 or 3% of transfer, whichever is higher, applies to Mastercard balance transfers. If applying for a new Mastercard Credit Card; you must first become a MyUSA CU member, be at least 18 years of age, and satisfy MyUSA’s eligibility and standard underwriting criteria; not all applicants will qualify. Promotional offers, credit card programs, rates and cardholder benefits are subject to change without notice. Other terms, conditions, limits, and fees may apply. Can not be combined with any other offer. Speak to any MyUSA Associate for more details.