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A Smarter Credit Card That Keeps More Money in Your Pocket.

Transfer a Balance & Save

With the MTC Federal Credit Card, you get one of the best rates in town, no balance transfer fees, and a powerful rewards program — so you can spend confidently, pay less interest, and get more back every time you use your card.

Why pay more interest than you have to?

If you’re carrying a balance — or planning to — you already know one thing matters most: the rate. A lower rate means less money lost to interest and more money staying with you every month. That’s exactly what the MTC Federal Platinum Mastercard delivers.

What makes this card the smarter choice?

The Best Rates in Town

Pay less interest on everyday purchases and carried balances.

No Balance Transfer Fee

Move your balance without paying extra just to switch. More of your money goes toward paying down deb— not fees.

A Rewards Program That Pays You Back

Earn rewards on everyday spending while enjoying a lower rate — something most cards don’t offer together.

Member-First, Not Profit-First

As a credit union, MTC Federal is focused on helping members save money — not maximizing fees.
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Now is the right time to switch to the MTC Federal Platinum Mastercard.

Most credit cards charge a balance transfer fee — often 3–5% — just to move your debt. That’s money gone before you even start saving.

With the MTC Federal Credit Card:
  • You pay no balance transfer fee
  • You get one of the best rates in town.
  • You can reduce interest immediately.
  • You can pay down balances faster.

The Best Rate in Town. Period.

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©2026 MTC Federal Credit Union. All rights reserved. Federally insured by the NCUA. *The Variable Annual Percentage Rate (APR) may vary depending on each individual’s credit history and underwriting factors. All loans subject to credit union approval. All credit union loan promotional offers, programs, rates, terms and conditions are subject to change at any time and without notice. Offer may end at any time. Other restrictions may apply.