Our Lincoln Lab branch will close at 3:00PM & Tech Square/Student Center will close at 3:30PM on Wednesday, June 28th for a company event. You can still access your account via online or mobile banking.

Credit Cards

Platinum Credit Card

MIT Federal Credit Union's Platinum Visa® credit card provides greater spending power and a competitive rate for everyday purchases.

  • Credit limits from $500 - $15,000
  • Variable rate starts at 9.74% APR**
  • Offers convenience and security
  • No annual fee

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Onyx Smart Rewards Credit Card

Accumulate rewards points quickly with every purchase on your Onyx Smart Rewards Visa® and redeem them for valuable merchandise, travel and much more.

  • Credit limits up to $25,000
  • Variable rate starts at 12.74% APR*
  • Earn rewards points with purchases
  • No annual fee

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MIT Alumni Credit Card

MIT alumni deserve a higher degree of spending flexibility, and the MIT Alumni Visa® delivers it with a competitive rate and rewards program.

  • Credit limits up to $25,000
  • Variable rate starts at 12.74% APR*
  • Earn rewards points with purchases
  • Purchases support programs at MIT
  • No annual fee

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*APR = Annual Percentage Rate. Your APR will initially be determined by your creditworthiness at the time of application. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate ten (10) days prior to the first day of the month of the new quarter of each year as published in The Wall Street Journal “Money Rates” table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. A 1.00% finance charge applies to all foreign transactions.

**APR = Annual Percentage Rate. The ANNUAL PERCENTAGE RATE is subject to change on the statement cycle date of each quarter (January, April, July & October) to reflect any change in the Index and will be determined by the Prime Rate ten (10) days prior to the first day of the first month of the new quarter found in The Wall Street Journal “Money Rates” table plus 5.74%. Any increase in the annual percentage rate will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the credit union will choose a new index which is based upon comparable information.The APR will never be greater than 18%. 1% finance charge applies to all foreign transactions.