Credit Card

Purchase what you need — or want — anytime in stores or online with a MasterCard® credit card from Montana Federal Credit Union. You’ll enjoy the freedom of flexible funding that’s there for you whenever you need it.

Plus, with our low 11.9% APR* and no annual fees or hidden costs, you won’t be stuck owing major bucks in interest every time you go shopping.

  • Enjoy the safety and security you expect from MasterCard
  • Accepted at thousands of merchants worldwide
  • Low 11.9% annual percentage rate*
  • No annual fees
  • No cash advance transaction fees
  • Debt protection available
  • Personal service you know and trust from your credit union
  • To activate your credit card, visit or call 1-800-411-6390. To change your PIN, call 1-877-746-6746.

Click the Apply Now button to apply for your card today, or download a Montana Federal Credit Union MasterCard credit card application here!

*For more information, please see the terms and conditions.

Terms & Conditions
Interest Rate and Interest Charges
Annual percentage rate (APR) for purchases 11.9%
APR for Balance Transfers 11.9%
APR for Cash Advances 11.9%
How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of Consumer Financial Protection Bureau.
Transaction Fees - Foreign Transaction Fee 1.00% of each transaction in U.S. Dollars
Penalty Fees - Late Payment Fee Up to $25.00
Penalty Fees - Returned Payment Fee Up to $25.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)."

Effective Date:

The information about the costs of the card described in this application is accurate as of October 26, 2015. This information may have changed after that date. To find out what may have changed, contact the credit union.

Other Disclosures:

Late Payment Fee - $25 of the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.

Returned Payment Fee - $25 of the amount of the required minimum payment, whichever is less.

Document Copy Fee - $6.00

Interested? We’re here to help — contact us to learn more