Quorum members can get a World Mastercard with 1.99% APR for the first 12 months on all purchases and balance transfers, and enjoy 9.90%-18.00% APR thereafter. 

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Most major credit cards come with confusing and costly terms and conditions. Not ours. Quorum World Mastercard credit cards are designed to be simple, transparent, and affordable. How do we do it?
  • A low rate after the 1.99% Intro APR: 9.90%-18.00% APR after the first 12 months.
  • The same rate for balance transfers and purchases.
  • Unlimited cash back on all purchases.
  • No annual fees.
  • No late payment rate increases. (Most banks will increase your rate up to 29.99% APR. We don't.)
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Why Quorum?
Simply put, we’re out to make your money work harder, so you don’t have to. Financial decisions are easy when your only choice is the best, and you should always be confident that you’re getting the best financial products and services available.


Bank when and
 where you want.

24 hours a day, seven days a week - online, through your mobile device, with a phone call or via an ATM.

Join A legacy of service
 & growth.

We have an 80-year history of helping our members realize their financial goals, and our community is growing faster than ever.

We focus
 on you.

Our industry-leading products are designed by members for members, and as a cooperative, we’re able to return profits to you in the form of exclusive services and low rates.

Don’t wait - 1.99% APR for 12 months won’t last forever. 
Get your Quorum World Mastercard now.

Log in to online banking to apply

Rates in effect as of 04/30/17, are based on the Prime Rate, and subject to change. Rates are subject to semi-annual credit review and may be adjusted if your credit rating changes. The maximum interest rate will never exceed the rate permitted under the Federal Credit Union Act (currently, this maximum is 18.00%). Click here to view our credit card disclosures.

The introductory purchase and balance transfer APR is 1.99% for 12 months from account opening and applies to Quorum World and Cash Back World Mastercard credit cards. At the end of the 12-month introductory period, the member’s standard purchase and balance transfer APR (currently 9.90%-18.00%) will be applied to any remaining balance. Promotional rate does not apply to any cash advances made with the card. 


Members can log in to online banking or call (800) 874-5544 to apply.

Quorum World
Great rates, low costs, no confusion

Quorum World

Great rates, low costs, no confusion

1.99% APR for 12 months is just the beginning.

What else do you get when you sign up for a Quorum World Mastercard?

Not yet a Quorum member? Click here to apply.

World Mastercard®
Good for: Travel, merchandise, and cash rewards.
  • Standard APR after 12 months: 9.90% – 18.00% APR
  • Earn 1 point for every dollar spent towards travel, merchandise, experiential, and cash rewards
  • Earn unlimited points that don’t expire
Cash Back World Mastercard®
Good for: Cash back for everyday purchases.
  • Standard APR after 12 months: 9.90%– 18.00% APR
  • Earn 1 point for every dollar spent towards cash back; up to 1.25% cash back
  • Earn unlimited cash rewards that don’t expire

Not yet a Quorum member? Click here to apply.


Choose from two World Mastercard credit cards