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U Rewards Visa Signature® Credit Card
- Regular Purchase APR 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Visa
- 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
- Regular Purchase APR: 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 10.74% to 18% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $34
U First Visa® Credit Card
- Regular Purchase APR 7.74% to 17.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 7.74% to 17.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 7.74% to 17.74% 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
- 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
- Intro Purchase APR: 0% to 2.99% for 6 months depending on creditworthiness
- Regular Purchase APR: 7.74% to 17.74% 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: 7.74% to 17.74% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 7.74% to 17.74% variable based on creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $39
- Return Payment Penalty Fee: Up to $34
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1About 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.
