VISA Credit Cards

Our VISA Classic, Gold and Platinum credit cards are designed with you in mind. We’ve combined attractive rates with money saving features that distinguish our card programs from competitors. You can count on convenience and consistent value from your VISA Classic, Gold or Platinum card from United Federal Credit Union.

All of our credit cards feature the following common benefits:

• Low interest rates
• NO annual fees
• 25 days of interest-free grace period on your purchases
• Low minimum payments
• Easy balance transfers, with no fee or higher interest rate. Click here for more information.
• NO cash advance fees
• Low cost credit protection insurance
• The convenience of automatic payment: no need to think about sending a check, no worrying about late fees!
• For ultimate card convenience, all United Federal Credit Union VISA cards can also be used in nationwide networks of Automated Teller Machines (ATMs). You’ll enjoy access for cash withdrawals and deposits to your United Federal Credit Union checking or savings accounts, or use it to obtain cash advances on your VISA account.
• Verified by Visa protects your existing Visa card with a personal password, giving you reassurance that only you can use your Visa card online. Click here for details.

VISA Classic  

• Credit limits from $500
• $250,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Classic card.
• Monthly payment is 3% of outstanding balance or $20, whichever is greater

VISA Gold

• Credit limits from $5,000
• Earn valuable CardPerks reward points with your purchases.  Earn 1 point for every 2 dollars you spend. Use points toward round-trip tickets on major airline carriers, cruise vacations, hotel packages, car rentals, and various merchant gift cards and certificates of your choice.
• $400,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Gold card.
• Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Gold.
• Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Gold card.
• Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
• Monthly payment is 3% of outstanding balance or $20, whichever is greater 

VISA Platinum

• Added purchasing power with credit limits from $10,000 to $50,000
• Earn valuable CardPerks reward points with your purchases: every dollar spent equals one point toward round-trip tickets on major airline carriers, cruise vacations, hotel packages, car rentals, and various merchant gift cards and certificates of your choice.
• Warranty Manager Double the free repair period on a manufacturer’s warranty, up to one additional year, on all goods charged to your VISA Platinum.
• Auto Rental Insurance saves you the expense of the collision damage waiver when you charge your car rental to your VISA Platinum.
• $500,000 Travel Accident Insurance on travel purchased with your United Federal Credit Union VISA Platinum card.
• Free Travel and Emergency Assistance 24 hour referral for travel emergencies wherever you are.
• Monthly payment is 2% of outstanding balance or $20, whichever is greater

VISA Platinum Equity

You can now use your VISA Platinum Equity card like a credit card. Click here for more details.

• Attractive variable rate based on Prime Rate plus a margin.
• Borrow up to 100% of your home’s equity up to 10 years.
• No annual fee or closing costs.
• Minimum monthly payment equal to 1.5% of the outstanding balance, or $100, whichever is greater.
• Interest may be tax deductible* (see your tax advisor).
• Gives you all the benefits attached to purchases made with VISA: travel insurance, liability protection, warranty manager, and charge back rights.