Credit Cards

UFCU Gives You Credit

Great Rate Card

$0 Annual Fee

Starting at 8.49%* APR


Best for those who want the lowest rate and all the basic features

Cash Back Card

$0 Annual Fee

Starting at 13.9%* APR

1.5% per $1 spent

Best for those looking for more rewards for higher spending

Travel & Rewards Card

$0 Annual Fee

Starting at 13.9%* APR

2 points per $1 spent

Best for those looking for travel, merchandise, and more

Great Features, No Surprises

We don’t believe in hidden charges, surprise fees, or teaser rates. You can count on us to give you great rates, low fees, and fantastic rewards:

  • One APR for purchases and cash advances
  • Fee-free balance transfers
  • No annual fees
  • No over-the-limit fees
  • Industry-low cash advance fees (1%), return check fees ($20), and late fees ($25 maximum)
  • Cash advances for up to 25% of your credit limit
  • Convenient account management within UFCU Online Banking
  • Choice of designs to personalize your card
  • Your choice of cards that offer great rewards and flexible points options to match your budget and lifestyle
  • Instant-issue VISA® credit card

Ready to apply? Open a UFCU checking account. (Members must have a checking account to apply for a credit card.) Or, if you already have a checking account, give us a call.

Relief from High Interest Rates

Transfer your balances from other high-rate interest credit cards to your UFCU credit card with no balance transfer fee.

Complete and submit an online balance transfer form, or visit any branch to learn more.


Find out what Visa Platinum cards have to offer:

Digital Payment Solutions

Simplify the way you shop with your choice of secure digital payment solutions, including Apple PayTM, PayPalTM, VISA®, and more.

Safe, Secure Spending

With 100% liability protection on any fraudulent activity, you can enjoy total peace of mind.

  • Real-time decisions to approve your transactions
  • Instant notification if a transaction is deemed risky
  • Immediate block on card activity if you tell us a transaction isn’t yours

APR = Annual Percentage Rate

* And up, based on your credit and risk score

Looking for a Checking Account?
UFCU Free Checking
No fees, no minimums

Simplify the Way You Shop
Use your UFCU card to pay online or with the touch of your finger from your device.
Learn More