Personal Credit Cards

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

Rates

Key Features

  • As low as 9.00% APR
  • Anytime Funds
  • No Annual Fees
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0% APR for 12 Months!

Transferring your high-interest balances to a USEFCU credit card can help you reduce debt faster. Complete our Balance Transfer Form to get started. PDF

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.

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*APR = Annual Percentage Rate.

Credit Card Application Disclosure

Credit Card Agreement & Disclosure