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United Federal Credit Union Credit Cards

United Federal Credit Union is a leading Michigan credit union with branches in more than six states across the United States, that offers low interest credit cards for everyday use. Browse credit cards below.

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Showing 2 Cards

Date Reviewed: December 10, 2019

U Rewards Visa Signature® Credit Card

U Rewards Visa Signature® Credit Card
  • Regular Purchase APR 12.24% to 18.00%
  • Balance Transfer APR 12.24% to 18.00%
  • Cash Advance APR 9.24% to 18.00%
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Visa
Best Benefits
  • Earn 3x rewards points per dollar spent on travel purchases
  • Earn 2x rewards points per dollar spent on gas purchases, 1x points on all other purchases
  • Credit line starting at $5,000, up to $50,000
  • Roadside Dispatch, Travel and Emergency Assistance, and Trip Delay Reimbursement
  • Redeem rewards for cash back statements, travel, merchandise and gift cards
Rates & Fees
  • Regular Purchase APR: 12.24% to 18.00%
  • Balance Transfer APR: 12.24% to 18.00%
  • Cash Advance APR: 9.24% to 18.00%
  • Late Payment Penalty Fee: Up to $28 for the first occurrence, up to $39 each if 2 or more occurrences occur within 6 months
  • Return Payment Penalty Fee: Up to $34 if your payment is returned for any reason
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

Date Reviewed: December 09, 2019

U First Visa® Credit Card

U First Visa® Credit Card
  • Regular Purchase APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Good , Fair
  • Intro Purchase APR 0% to 2.99% for 6 months depending on creditworthiness
  • Processing Network Visa
Best Benefits
  • No annual fee
  • No cash advance fee
  • No foreign transaction fees
  • 0% introductory APR on purchases for 6 months from account opening
  • Low, competitive interest rates
Rates & Fees
  • Intro Purchase APR: 0% to 2.99% for 6 months depending on creditworthiness
  • Regular Purchase APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% to 2.99% for 6 months depending on creditworthiness
  • Balance Transfer APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 9.24% to 18% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $28 for the first occurrence, and up to $39 each if 2 or more occurrences occur within 6 months
  • Return Payment Penalty Fee: Up to $34
Credit Card Deals
  • Complimentary EZ Mini Crunchies (60g) when you spend S$120 - Offer Expires on December 31, 2020 - See Details
  • 10% off museum entry - Offer Expires on December 31, 2020 - See Details
  • Save up to 55% on London theater tickets - Offer Expires on December 31, 2020 - See Details
  • Save an extra 10% on Tower of London access tickets - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Alamo® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save 5% with Enterprise Rent-A-Car® at participating locations - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The Paris Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% on The London Explorer Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Barcelona Pass - Offer Expires on December 31, 2020 - See Details
  • Save an extra 5% when you purchase your Go Bangkok Pass - Offer Expires on December 31, 2020 - See Details
  • View All Deals -

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About United Federal Credit Union

United Federal Credit Union is a federally chartered credit union that serves its members in six U.S. states. The credit union offers a full selection of products and services to individuals and businesses, including checking and savings accounts, credit cards, home and auto loans, business loans, and more.

United Federal Credit Union traces its history back over 70 years. Both Nineteen Hundred Employee Credit Union and Buchanan Clark Employee Credit Union were originally founded in the 1940s to serve the employees of what would eventually become the Whirlpool Corporation and Clark Equipment Company.

The two credit unions merged in 2006 and continued with the name United Federal Credit Union (a name the then Whirlpool Employees Federal Credit Union has taken almost two decades before). Today, the credit union boasts more than 175,000 members in all 50 U.S. States and the District of Columbia. In total, the credit union has over $3 billion in assets, making it one of the largest credit unions in the country.

Membership Eligibility

Membership in United Federal Credit Union is open to a select group of individuals. These include:

  • Current or retired employees of one of 900+ corporate members
  • Immediate family members of an existing member
  • Those who live, work, worship, or attend school near one of the credit union’s branches
  • Those eligible to join the American Consumer Council in one of the following states: Arkansas, Missouri, Louisiana, Mississippi, Texas, California, Arizona, Nevada, North Carolina, South Carolina, Tennessee, Georgia, Virginia, Oregon, Indiana, Kentucky, Illinois, Michigan, Minnesota, Wisconsin, Ohio, Pennsylvania, West Virginia, Oklahoma, Kansas, New Mexico, or Colorado.

Branch Locations

United Federal Credit Union features members from every U.S. state and the District of Columbia. Despite this, the credit union only operates 38 branches in six U.S. states:

  • Arkansas
  • Michigan
  • Ohio
  • Indiana
  • Nevada
  • North Carolina

For a complete listing of branch locations, including ATM locations, directions, hours of operation, and more, please visit the credit union’s dedicated Locate Us page.

FAQs About United Federal

Here are answers to common questions about United Federal Credit Union:

Is United Federal FDIC insured?

  • Like other credit unions, United Federal is insured through the National Credit Union Administration (NCUA). The NCUA insures accounts for up to $250,00 – the same as the FDIC.

What is United’s routing number?

  • United Federal Credit Union’s routing number is 272484894.

How do you redeem CardPerks reward points?

  • United Federal credit cards earn CardPerks reward points. These points are redeemable for travel or gifts cards. To redeem, visit the credit union website, click on the “Services” tab, and then the “CardPerks Rewards” tab.