Find the Right Credit Card for You

Whether you’re looking for everyday purchasing power or the opportunity to earn rewards, MembersOwn offers credit cards with competitive rates and no hidden fees. Compare our current credit card rates below and choose the option that best fits your lifestyle.

Apply Online Credit Card Details

All rates are effective July 1, 2026, and are subject to change without notice. The rate you qualify for is based on your credit history and approval.

Credit Card	APR*	Monthly Payment

Visa Preferred Rewards Card	Prime + 9.00%; Prime + 13.00%	2%**
Visa Preferred Fixed Rate Credit Card	9.99%, 15.99%, or 18.00%	2%**

*APR = Annual Percentage Rate

**2% = 2% of statement balance or $25, whichever is greater

What does APR mean?

APR stands for Annual Percentage Rate. It reflects the annual cost of borrowing, including interest, and helps you compare loan options.

What determines the rate I receive?

Your APR is based on your credit history, creditworthiness, and application approval.

Does MembersOwn offer a rewards credit card?

Yes. Our Visa Preferred Rewards Card allows eligible cardholders to earn rewards on qualifying purchases.

Can I redeem rewards online?

Yes. If your MembersOwn credit card qualifies for uChoose Rewards®, you can redeem points for gift cards, travel, merchandise, and more by logging into your rewards account.

What is the minimum monthly payment?

The minimum payment is 2% of your statement balance or $25, whichever is greater.

Are rates subject to change?

Yes. Rates are subject to change without notice.

How do I apply for a credit card?

You can apply online, visit one of our branches, or contact our lending team for personalized assistance.

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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