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Credit Cards

Low rates or cash-back rewards, UMCU Visa® credit cards are built for your lifestyle. No annual fees, just unbeatable perks. Find your perfect fit today!

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Our Credit Card Options

Visa® Platinum Optimum Visa® Platinum Cash Rewards
Visa® Platinum Optimum

The Low-Rate Option

While other credit cards charge over 20.00% APR on average, UMCU's Visa® Platinum Optimum offers one of the lowest interest rates available, starting at just 8.99% APR*. It's a smart, affordable way to manage your spending and build credit with confidence.

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  • Enjoy Rates as Low at 8.99% APR*
  • No Annual Fee
  • No Balance Transfer & Cash Advance Fees

Compare UMCU Visa® Credit Cards

Not sure what to choose? Let us help.

Whether you're looking for a lower interest rate or a cash-back rewards program, UMCU offers two Visa® credit card options to suit your needs. Both provide maximum buying power, low fees, and advanced security features.

Visa® Platinum Optimum

Related Resources

Calculators

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Events

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Downloads

Find downloadable forms and credit card resources.
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FAQs

We make it simple to bring your high-interest debt home to UMCU. When you are ready to learn how to do a balance transfer, you will simply need the account information and the current balance(s) of the card(s) you wish to move. Once you provide those details, we take care of the rest by paying off your external accounts and moving those balances to your UMCU Visa® with zero transfer fees.
A balance transfer is a financial tool that allows you to pay off debt from a high-interest credit card at another institution to a card with a lower interest rate, such as a UMCU Visa®. By doing this, you can pay high-interest charges and ensure that more of your monthly payment goes toward reducing your actual balance. It is a strategic way to consolidate multiple payments into one and give your monthly budget the breathing room it needs to reach your financial goals faster.
No. At UMCU, we never charge a balance transfer fee. This is a benefit for our members, not just a seasonal promo.
After your 6-month 0.00% APR period ends, any remaining balance will transition to a competitive standard APR (currently 8.99% to 18.99% based on creditworthiness and card type).
This offer is specifically for balances held at other financial institutions to help you consolidate external debt into your credit union membership.
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Disclaimer

*Offer subject to credit approval. APR as low as 8.99%; maximum APR is 14.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.

**Offer subject to credit approval. APR as low as 12.99%; maximum APR is 18.99%, based on your credit worthiness. Additional limitations, terms, and conditions apply, and are subject to change without notice. The following transaction fees apply: 1% for foreign transactions, $2 for non-UMCU/non-Co-Op ATM transactions and $2 for each overdraft transfer.