United Federal Credit Union Credit Cards

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U First Visa® Credit Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Good / Fair

Visa Processing Network

None Annual Fee

U First Visa® Credit Card

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• 12.99% to 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 12.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 12.99% to 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
• 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The U First Visa® Credit Card is a no-frills, low-interest credit card that’s ideal for folks who are looking to save money with a generous introductory APR and a low purchase APR thereafter. Issued by United Federal Credit Union, the U First Visa is aptly named since it makes the needs of the consumer – namely, saving money – a top priority.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 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% for 6 months from account opening date
• Regular Purchase APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 0% for 6 months depending on creditworthiness
• Balance Transfer APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 12.99% to 18.00% variable based on creditworthiness and the Prime Rate
• Late Payment Penalty Fee: Up to $40
• Return Payment Penalty Fee: Up to $35

• You prefer a credit card without annual fees or balance transfer fees
• You will take advantage of an introductory interest rate to make large purchases
• You want a credit card with a low, competitive regular interest rate
• You have existing balances they you wish to transfer in order to save money on interest charges

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U Rewards Visa Signature® Credit Card

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Visit Card Site Terms & Conditions

BestCards refers to a variation of FICO Score 9, 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. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good

Visa Processing Network

None Annual Fee

U Rewards Visa Signature® Credit Card

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• 18.00% variable based on creditworthiness and the Prime Rate Regular Purchase APR
• 18.00% variable based on creditworthiness and the Prime Rate Balance Transfer APR
• 18.00% variable based on creditworthiness and the Prime Rate Cash Advance APR
• 0% for 12 months from account opening date Intro Purchase APR

At a Glance

Wayfarers rejoice – the U Rewards Visa Signature® Credit Card is a reward card offer from United Federal Credit Union that offers cardholders the opportunity to earn rewards points in several spending categories, particularly travel. This card is a versatile tool for those who love to explore the world, since customers will receive 3x points for every dollar spent on travel, 2x points on gas purchases, and 1 point per $1 on all other spending.

• Best Benefits
• Rates & Fees
• Why Should You Apply?

• 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

• Intro Purchase APR: 0% for 12 months from account opening date
• Regular Purchase APR: 18.00% variable based on creditworthiness and the Prime Rate
• Intro Balance Transfer APR: 0% for 12 months from account opening date
• Balance Transfer APR: 18.00% variable based on creditworthiness and the Prime Rate
• Cash Advance APR: 18.00% variable based on creditworthiness and the Prime Rate
• Late Payment Penalty Fee: Up to $40
• Return Payment Penalty Fee: Up to $35

• You love to travel and plan to use this card to pay for travel expenses
• You commute to work or school often and will use your card to purchase gasoline often
• You want to earn points towards cash back redemptions
• You’ll take advantage of a low interest rate, no annual fees, and no foreign transaction fees

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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.