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Credit Cards

UFCU Gives You Credit

Great Rate Card

$0 Annual Fee

Starting at 8.49%** APR


Best for those who want the lowest rate and all the basic features

Cash Back Card

$0 Annual Fee

Starting at 13.9%** APR

Tiered cash back

Best for those looking for more rewards for higher spending

Travel Rewards Card

$39 Annual Fee

Starting at 13.9%** APR

1 travel point per $1 spent

Best for travel-happy spenders looking to get more mileage from their spending

A Member-Friendly Alternative

Great Features, No Surprises

At University Federal Credit Union, we don’t believe in hidden charges, surprise fees or teaser rates. You can count on us to give you great rates, low fees and, of course, second-to-none customer service.

  • One APR for purchases and cash advances
  • Free balance transfers
  • No over-the-limit fees
  • Industry-low cash advance fees (1%), return check fees ($20) and late fees ($25 maximum)
  • Cash advance for up to 25% of your credit limit
  • Convenient account management with UFCU online banking
  • Choice of designs to personalize your card

Ready to apply? Open a UFCU checking account to qualify.

Free Transfers to Free Your Balances

Get some relief from high interest rates on other credit cards. Transfer your balances to your UFCU card—for free.

Safe, Secure Spending

With 100% liability protection on any fraudulent activity, you can enjoy total peace of mind.

  • Real-time decisions to approve your transactions
  • Instant notification if a transaction is deemed risky—and immediate block on card activity if you tell us the transaction isn’t yours
  • Verified by VISA®

Review your statements at

APR = Annual Percentage Rate

Features, terms and conditions apply to cards issued after January 1, 2014.

* Members must have an active checking account or direct deposit to apply for a credit card.

** And up, based on your credit and risk score

View your account

You can manage your credit card and view your transaction history within Online Banking or by logging directly into eZCard.

Credit Card Login


Learn how to use the eZCard website to manage your account.

eZCard Learning Center

How much is your debt costing you?

Use this handy tool to calculate how long it will take you to pay off your debt.

Take the stress out of spending

Simplify the Way you Shop
Use your UFCU card to pay online, from your device, or with the touch of your finger.
Learn more