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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U Rewards Visa Signature® Credit Card

U Rewards Visa Signature® Credit Card
  • Regular Purchase APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Excellent , Good
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: May 25, 2022
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: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 11.49% to 18% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $34
Credit Card Deals
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Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
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$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
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20% off purchases on participating websites TREASURY WINE ESTATES Offer Expires on 08/01/2022 See Details
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20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
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20% off + Free Shipping on orders of $49+ Fanatics.com Offer Expires on 08/31/2022 See Details
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$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
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Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
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Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

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U First Visa® Credit Card

U First Visa® Credit Card
  • Regular Purchase APR 8.49% to 18% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 8.49% to 18% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.
    Good , Fair
  • Intro Purchase APR 0% to 2.99% for 6 months depending on creditworthiness
  • Processing Network Visa
Visit Card Site Read Review Terms & Conditions
Date Reviewed: May 25, 2022
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: 8.49% 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: 8.49% to 18% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 8.49% to 18% variable based on creditworthiness and the Prime Rate
  • Late Payment Penalty Fee: Up to $39
  • Return Payment Penalty Fee: Up to $34
Credit Card Deals
card
Reserve a qualifying Norwegian Cruise Line voyage and receive up to a $500 onboard spending credit Norwegian Cruise Line Offer Expires on 12/30/2022 See Details
card
$30 off your purchase of $100 or more at Reebok.com Reebok Offer Expires on 12/31/2022 See Details
card
20% off purchases on participating websites TREASURY WINE ESTATES Offer Expires on 08/01/2022 See Details
card
20% Off Suites + Premium Benefits in New York City Casa Cipriani Offer Expires on 12/30/2022 See Details
card
20% off + Free Shipping on orders of $49+ Fanatics.com Offer Expires on 08/31/2022 See Details
card
$130 off plus free shipping at Green Chef Green Chef Offer Expires on 12/31/2022 See Details
card
Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on 12/31/2022 See Details
card
Every 4th Night Free + Premium Benefits in New York City Mr C. Seaport Offer Expires on 12/31/2022 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on 12/31/2024 See Details

Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.

Join today!

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Terms & Conditions

Please Note: The details of the offer(s) shown above should not be taken as a guarantee that you will receive the discount/rewards/offer mentioned above. Any information about combined offers and/or rewards should be taken as an estimate only. You may be responsible for completing certain steps at the merchant’s checkout page. Please read the merchant’s full terms and conditions for details.

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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:

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

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