Credit Cards That Fit Your Lifestyle
Meet your soon-to-be favorite credit card — the one you reach for every time you shop, no matter where you go. How do we know?
Whether you want a straightforward card with competitive fixed rates or one that rewards everyday purchases, MembersOwn offers credit card options built around your spending. With transparent terms and personalized service, we help you use credit with confidence.
Whether you prefer a card with competitive fixed rates and no hidden fees or a card that lets you earn rewards on eligible purchases, you’ll have the support of a local financial partner that’s committed to putting members first.
Why Choose a MembersOwn Credit Card?
Whether you’re building credit, managing everyday expenses, or earning rewards, our credit cards are designed to fit your financial life with competitive rates, valuable benefits, and the personalized service you expect from your credit union.
Competitive Rates
Enjoy rates as low as 9.99% Fixed APR* on our Preferred VISA® Credit Card.
Rewards for Everyday Purchases
Eligible credit cards participate in uChoose Rewards®, allowing you to earn points and redeem them for gift cards, travel, merchandise, and more.
No Hidden Fees
We believe in straightforward products with transparent terms and no surprises.
Accepted Almost Anywhere
Use your MembersOwn VISA® Credit Card anywhere VISA is accepted.
Credit Card Options
MembersOwn Preferred VISA® Credit Card
Our Preferred VISA® Credit Card offers competitive fixed rates as low as 9.99% APR* and no hidden fees. It’s a great option for everyday purchases, larger expenses, and the moments when you want dependable purchasing power.
Find even more details about our credit cards here.
Rewards VISA® Credit Card
Want to earn something back on your spending? Eligible MembersOwn credit cards participate in uChoose Rewards®, giving you the opportunity to earn points on qualifying purchases.
Redeem your points for:
- Gift cards
- Travel experiences
- Merchandise
- And more
What credit card options does MembersOwn offer?
MembersOwn offers credit card options designed to provide competitive rates and rewards opportunities on eligible cards.
What is uChoose Rewards®?
uChoose Rewards® is a rewards program available on eligible MembersOwn credit cards that allows you to earn points on qualifying purchases and redeem them for rewards.
How do I redeem my rewards?
Redeeming your rewards is easy. Log in to online banking, select Manage Your Credit Card, then choose UChoose Rewards® to view your available points and redeem them for gift cards, travel, merchandise, and more.
Where can I use my credit card?
You can use your MembersOwn VISA® Credit Card anywhere VISA is accepted.
Can I apply online?
Yes. You can apply online at your convenience or visit one of our branches for personalized assistance.
Why choose a credit union credit card?
Credit union credit cards often provide competitive rates, transparent terms, and personalized service that helps members borrow with confidence.
Are there any credit card fees to keep in mind?
There are no annual fees, over-limit fees or balance transfer fees. However, there is a $25 fee for late payments.
Talk to a Real Person
in Your Community
MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.
Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)
Beatrice Branch
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204
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