Give your budget extra elbow room with the power of Visa® and the support of USEFCU.


Key Features

  • Competitive Rates
  • Anytime Funds
  • No Annual Fees
  • 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 bill online
  • 10-day grace period with no late fee
  • 25 days interest-free on purchases
  • Online access via online banking

Transfer Your Balance

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

Transfer a balance within the first 30 days of account opening and receive 2.99% APR for 6 months.

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.