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University Credit Union Traditional Mastercard
University Credit Union Traditional Mastercard
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The University Credit Union Traditional Mastercard is a low APR credit card that avoids the teaser rates and enticing introductory offers. Instead, the card offers an excellent APR of 8.9% for balance transfers, cash advances, and purchases, no annual fees, no penalty APR, and no additional fees for balance transfers or cash advances. Cardholders can also expect a suite of protections from Mastercard, including EMV chips technology, $250,000 in travel accident insurance, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $250,000 travel accident insurance
- No annual fee
- Low APR for purchases, balance transfers, and cash advances
- Regular Purchase APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $25
- You're a member of the University Credit Union or live in South Florida
- You want a card with a fixed rate, low APR
- You prefer a card without an annual fee
- You want a straight-forward credit card experience
University Credit Union Secured Mastercard
University Credit Union Secured Mastercard
- 9.00% Regular Purchase APR
- 9.00% Balance Transfer APR
- 9.00 Cash Advance APR
At a Glance
The University Credit Union Secured Mastercard is a great way to rebuild credit or establish a solid credit history – especially if you are a South Florida student. The card offers a very low fixed APR of 9% for balance transfers, purchases, and cash advances, no annual fees, and the suite of protections and benefits cardholders have come to expect from a worldwide leader like Mastercard.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Build credit without any hidden fees
- Low fixed APR
- Regular Purchase APR: 9.00%
- Balance Transfer APR: 9.00%
- Cash Advance APR: 9.00
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $25
- Minimum Deposit Required: $500
- You're a member of the University Credit Union or live in South Florida
- You want a secured card with an exceptionally low APR
- You want to rebuild or establish your credit score
- You want a straightforward credit card experience
University Credit Union Rewards Mastercard
University Credit Union Rewards Mastercard
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 15.99% to 17.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Spend your points on Travel, Gift Cards, Shopping or CASH BACK
- No annual fee
- No fee balance transfers or cash advances
- Intro balance transfers are 4.99% for the life of the balance transfer
- Regular Purchase APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 15.99% to 17.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $20
- Return Payment Penalty Fee: Up to $25
- N/A
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About University Credit Union
University Credit Union is a member-owned-and-operated credit union in Miami-Dade County, Florida. The credit union is the official credit union of the University Miami, its faculty, staff, and alumni – as well as other local universities.
University Credit Union (UCU) began life as the University of Miami Credit Union in 1947. While the credit union formerly served only those associated with the “U,” membership expanded in the proceeding decades to include other South Florida institutions of higher learning.
In 1982, the credit union was renamed to its current name when membership eligibility was extended to Florida International University (FIU). In 1988, membership eligibility was extended further, to include St. Thomas University. Membership was also opened up to students at all campuses of those three universities.
In 2005, UCU merged with Lawyers Credit Union, and the next year the credit union opened the field of membership (FOM) to include all those who live or work in Miami-Dade County.
Branch Locations
University Credit Union operates branches at the following locations in Miami-Dade County, FL:
Miami, FL
- 13241 SW 136th Street (West Kendall Center)
- 6250 SW 57th Avenue (Red Road)
- Park Plaza West, Suite J, 1611 NW 12th Avenue (Medical Center)
- Blue Parking Garage, 10880 SW 16th Street (FIU Modesto A. Maidique Campus)
- Kennedy Administration Building, 16400 NW 32 Ave. (St. Thomas University)
North Miami, FL
- Wolfe University Center, Room 142, 3000 NE 151st Street (FIU Biscayne Bay Campus)
Coral Gables, FL (UM)
- 1306 Stanford Drive (Whitten University Center – ATM only)
For a list of UCU ATM locations, please visit the bank’s ATM locator page, powered by the CUliance and Co-Op shared branch networks.
Membership Eligibility
Membership eligibility with University Credit Union is broad in scope. Those eligible for membership include:
- University of Miami faculty, staff, students, and alumni
- Florida International University faculty, staff, students, and alumni
- Thomas University faculty, staff, students, and alumni
- Immediate family of those who qualify for UCU membership through those three universities
- Anyone working in the legal community in Miami-Dade, Broward, or Palm Beach County, FL. The legal community includes law firms, including lawyers and paralegals, and the courts system.
- Anyone who lives or works in Miami-Dade County, Florida
FAQs About University Credit Union
Here are answers to commonly asked questions about University Credit Union:
- University Credit Union’s routing number is 267077850.
- UCU appears to use Equifax for credit inquiries.
- Call UCU’s customer service call center at (786) 425-5000.
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