Great Rate Card
Convenience with No Annual Fee
We’ve made credit accessible for everyday use.
The UFCU Great Rate VISA® credit card1 gives you the features you need at the lowest rates we can offer. This card offers cash advances up to 25% of your credit limit.
Find out what the Visa Platinum Great Rate card has to offer.
At a Glance2
- Annual Fee $0
- Balance Transfers Fee-free
- Cash Advances Up to 25% of your credit limit
- 1% cash advance fee with a $5 minimum fee
Simplify the Way You Shop
Get a card that builds a solid credit history while streamlining your financial life. Make in-store or online purchases and manage your card 24/7 through Online Banking and our Mobile app.
Enjoy the same APR for purchases and cash advances, with no over-the-limit fees.2 You get 100% fraud protection, plus set alerts and lock/unlock your card for added security.
Choose a design for your Great Rate card that expresses your local pride. Options include the 360 Bridge, UT Tower, tall ship Elissa, the US flag, St. Edwards University®, and Wheatsville Co-op.
There’s no fee to transfer your balance from another card to get our lower rates. And there’s no need to wait - you can pick up your contactless instant-issue card at any branch and start using it today.2
Rates
| Annual Percentage Rate (APR) based on your credit2 | ||||||
|---|---|---|---|---|---|---|
| Your Credit | Excellent | Good | Average | Fair | Marginal | Low / No score |
| Great Rate VISA® | 9.49% | 11.49% | 13.49% | 16.49% | 17.90% | 17.90% |
FAQs
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Visa Platinum is the type of card you will use for UFCU Credit card rewards. Learn more from Visa.
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- Log into Online Banking or the Mobile app.
- In the top toolbar, select Cards » Manage Card.
- Select the card for which you want to select a new PIN.
- In the Self-Service section, click Change.
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Locking a card is a security feature that prevents your card from being used for transactions until the card is unlocked. To lock or unlock a card, choose Cards » Manage Cards and select the card you want to manage. Then click the toggle to lock or unlock your card.
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In order to perform a balance transfer, complete the Balance Transfer Request form.
Related Products and Services
Credit Builder Loan
Whether you’re just getting started on your journey toward financial health or working to get back on track, UFCU can help you build a solid credit history with a Credit Builder Loan.
Financial Success
UFCU offers two programs that help you reach your financial goals: GreenPath and Credit Coach. Members have free access to both these online programs to get financially fit.
1 Must meet eligibility requirements. Credit cards are subject to credit approval. Requirements include having a UFCU checking account with:
- A balance of at least $500, or
- A monthly balance of $50 for the last 3 months, or
- Receive a direct deposit in your UFCU checking account.
2 Please see Terms and Conditions (PDF) for rate, fee and other cost information, as well as explanation of payment allocation. All terms may be subject to change.