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United Federal Credit Union
You can earn cash back1
with a UFCU Visa® credit card!

Visa Credit Card Offer: Classic


Take full advantage of your UFCU membership with a credit card that works for you! As a valued UFCU Member, you have been pre-approved* for a UFCU Visa credit card that could earn you $45 cash back1!

 You’re eligible to receive the cash back offer1 after you spend $750 in new purchases during the first three months after activating your new UFCU Visa credit card. That means more money in your wallet to enjoy doing more of the things you love.

 This is a limited time offer, so apply today!

Promo Code: Visa Cash Back
Use this promo code when you speak to a UFCU representative to take advantage of this special offer.


Credit Limit $250 – $5,000
Interest Rate 142.99%
No Balance Transfer Fee checkmark
No Annual Fee checkmark
Travel Insurance Up to $250,000

Other Important Program Information:

Federally insured by NCUA. Equal Opportunity Lender.

1 $45 cash back offer is only available for new purchases of at least $750 that are made on the UFCU Visa credit card within the first three months after activation or by 12/31/14; whichever comes first. Balance transfer amounts cannot be applied toward the cash back bonus incentive. Please allow 6 – 8 weeks after qualifying for the cash back amount to be posted to your Visa credit card account. Offer expires 8/25/14.

2 APR= Annual Percentage Rate. Rate subject to change. Visa Classic rate is 14.99% APR. Rates may vary and are accurate as of 5/1/2014.

3 A list of additional fees can be found in the chart below.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases, Cash Advances & Balance Transfers


This APR is based on your creditworthiness and will vary with the market based on the Prime Rate.

Penalty APR and When it Applies None
How to Avoid Paying Interest on Purchases
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. For Cash Advances and Balance Transfers, we will begin charging interest on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreFeesAnnual


Annual Fee None
Application Fees None
Transfer Fees

  • Balance Transfer
  • Cash Advance
  • Foreign Transaction

  • None
  • None
  • 1% of each transaction in U.S. dollars if thetransaction involves a currency conversion1% of each transaction in U.S. dollars if thetransaction does not involve a currency conversionPenalty
Penalty Fees

  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment

  • Up to $25 if your payment is late 10 days or more
  • None
  • Up to $30 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called “Average Daily Balance (including new purchases).”

The Annual Percentage Rate will be determined monthly by adding a margin to an Index value. For Visa Classic the margin is 11.74 percentage points. The Index value is the Prime Interest Rate published in the Wall Street Journal “money rates” table on the last business day of the month (or next business day if the last day falls on a weekend or holiday). A new rate will not apply to your account until the first day of your next billing cycle that begins after a change date. The Annual Percentage Rate will never be more than 18.00%.