VISA Credit Cards

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) to obtain cash advances on your VISA.
  • 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 UFCU VISA Classic card.
  • Monthly payment is 3% of outstanding balance or $20, whichever is greater

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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 UFCU 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

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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 UFCU 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

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HOme Equity Line of Credit

You can access your Home Equity Line of Credit with a VISA credit card.

  • No closing costs, origination fees, or annual fees*
  • Lower rates than other forms of credit
  • Convenient Visa card access for lines of credit
  • Possible tax deductions**

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VISA Credit Card Agreement

Truth-In-Lending Disclosure

*You must pay appraisal fees of approximately $350, refunded at closing. Early termination fee of $250 may be charged. APR = Annual Percentage Rate. Property insurance required. Rates accurate as of 6/3/2013. Home Equity Lines of Credit: Rates vary between 3.50% APR and 10.75% APR based on Combined-Loan-To-Value (CLTV), line amount and credit score. Account features a variable periodic rate, maximum of 18.00% APR. Minimum monthly payment is 1.5% of the loan balance or $100, whichever is greater, rounded to the nearest dollar. Minimum payments may not be sufficient to fully repay principal; entire remaining balance must be paid in single payment. Home Equity Installment Loans: Rates as low as 3.50% APR with 0.25% discount for automatic payments from a UFCU account. Rates as high as 13.25% APR. Example Payment: 60 monthly payments of $18.19 per $1,000 borrowed. **Consult a tax advisor regarding deductibility of interest.

 

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.