University Credit Union Credit Cards

University Credit Union is a South Florida credit union and card issuer that offers a variety of credit cards aimed towards students, businesses, and everyday spenders. University Credit Union’s  products are rich on rewards and ideal for those who want a straightforward, no-fuss rewards card. Browse credit cards below.

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University Credit Union Secured Mastercard

University Credit Union Secured Mastercard
  • Regular Purchase APR 9%
  • Balance Transfer APR 9%
  • Cash Advance APR 9%
  • Annual Fee None
  • Credit Needed Poor , No Credit Required
  • Processing Network Mastercard
Best Benefits
  • No annual fee
  • Build credit without any hidden fees
  • Low fixed APR
Rates & Fees
  • Regular Purchase APR: 9%
  • Balance Transfer APR: 9%
  • Cash Advance APR: 9%
  • 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
Credit Card Deals
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
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FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
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New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
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Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
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Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
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Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
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Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

University Credit Union Rewards Mastercard

University Credit Union Rewards Mastercard
  • Regular Purchase APR 7.5% to 17.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 7.5% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 7.50% to 17.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 7.5% to 17.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 4.99% until those balances are paid in full. All other balance transfers will be charged the Standard Rate.
  • Balance Transfer APR: 7.5% to 17.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 7.50% to 17.99% variable based on 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
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

University Credit Union Traditional Mastercard

University Credit Union Traditional Mastercard
  • Regular Purchase APR 8.9% variable based on the Prime Rate
  • Balance Transfer APR 8.9% variable based on the Prime Rate
  • Cash Advance APR 8.9% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • $250,000.00 travel accident insurance
  • No annual fee
  • Low APR for purchases, balance transfers, and cash advances
Rates & Fees
  • Regular Purchase APR: 8.9% variable based on the Prime Rate
  • Balance Transfer APR: 8.9% variable based on the Prime Rate
  • Cash Advance APR: 8.9% variable based on 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
Credit Card Deals
card
Over 150,000 hotels in top destinations. Book now! Reservations.com Offer Expires on Jan 01, 2023 See Details
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
Bundle Sale: Get 35% off Tuffy Stereo Security Console and $75 off Alpine Radio. Morris 4x4 Offer Expires on Dec 12, 2050 See Details
card
FREE Shipping and returns with any MOLECULE purchase. MOLECULE Offer Expires on Jan 01, 2099 See Details
card
New Customers Offer - 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
50% off Starter Kits. Candid Offer Expires on Dec 12, 2050 See Details
card
Shop New Textbooks with Free Shipping! AbeBooks Offer Expires on Jan 01, 2099 See Details
card
Special Offer 49% Off an Annual Membership! Receive 12-Months for Only $59.95! ABCmouse.com Offer Expires on Jan 01, 2099 See Details
card
Save 5% AVIS Offer Expires on Dec 12, 2030 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details

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:

What is UCU’s routing number?

  • University Credit Union’s routing number is 267077850.

What credit bureaus does University Credit Union use?

  • UCU appears to sue Equifax for credit inquiries.

How can I contact the credit union?

  • Call UCU’s customer service call center at (786) 425-5000.