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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

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and credit card resources.
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FAQs

It depends on your financial goals! The Platinum Optimum is great for establishing or rebuilding a credit score while the Platinum Cash Rewards gives you 1.10% back on EVERY purchase. Both of UMCU's Visa® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

**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.
  1. Download a Mobile Wallet app on your smartphone. 
  2. Add your UMCU credit card to the app.
  3. Use your mobile device to pay by tapping or swiping it against the store's payment terminal. 
Funds will be automatically deducted from your card as you make purchases using the digital wallet. 
 
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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.