With a low fixed rate and no annual fee, our credit card has everything you need and nothing you don't. 


Key Features

  • As low as 9.00% APR
  • Anytime Funds
  • No Annual Fees

Why Choose Our Card?

  • Fixed rates as low as 9.00% APR*
  • No annual fees
  • No cash advance fees
  • No balance transfer fees
  • No convenience checks fees
  • Easily view statements and pay bills online
  • 10-day grace period with no late fee
  • 25 days interest-free on purchases
  • Online access via online banking

Take Control With CardLink 

Manage your USEFCU credit card at any time from your smartphone. Make payments, send travel notices, lock your card if lost, and more! Card registration is easy and access is secure and protected. Available to download on the App Store and Google Play.

*APR = Annual Percentage Rate. Balance transfer amounts are limited to the available funds of your approved credit limit amount. Transfers are considered cash advances, therefore, finance charges will begin to accrue immediately on the transaction date. Transferred amounts cannot be from another USEFCU Visa credit card or loan account. Please continue making payments on your other credit card account(s) until the balance transfer is confirmed on your other institution's account statement. A 3% fee will be assessed on the transferred amount. 0% for 12 months promotional period is 7/1/2022 - 12/30/2022.

Credit Card Application Disclosure

Credit Card Agreement & Disclosure