U First Credit Card

Log In MENU

A low-interest card that helps you establish credit and increase spending
power.

APPLY NOW

With a U First Visa® Credit Card you receive:

As low as 0% APR intro rate for (cid:215)rst six months.1 Then, variable rate from 8.74-18.00% APR2

Credit limits starting at $1,000

$250,000 Travel Accident Insurance on travel purchased with your U First card3

The ability to sign up for automatic payment: no need to think about sending a check, no
worrying about late fees

U First Visa Credit Card Features

Low interest rate

No annual fees

25 days of interest-free grace period on your purchases4

Low minimum payments

Easy balance transfers, with no fee or higher interest rate.4 Click here for more information.

No cash advance fees4

Low cost credit protection insurance

Apple Pay ®,  Android Pay TM,  Samsung Pay

Visa Checkout

For ultimate card convenience, all United Federal Credit Union Visa cards can also be used in
nationwide networks of Automated Teller Machines (ATMs) to obtain cash advances on your
Visa.

Veri(cid:215)ed by Visa® protects your existing Visa card with a personal password, giving you
reassurance that only you can use your Visa card online. Click here for details.

Visa Purchase Alerts help you keep tabs on your account anytime, anywhere. Near real-time
alerts powered by Visa help you reduce fraud and monitor your spending. And the service is
available free for Visa cardholders. To sign up, go to visa.com/purchasealerts.

APPLY NOW

Fees

Annual Fee

None

Application Fee

None

Transfer Fees

Balance Transfer

None

Cash Advance

None

Foreign
Transaction

Foreign transaction fee of 1% of each transaction in U.S. dollars whether the transaction
does or does not involve a currency conversion

Penalty Fees

Late Payment

Up to $27 for the (cid:215)rst occurrence, and up to $37 for each additional occurrence within 6
months, that your payment is 10 or more days late

Over-the-Credit
Limit

None

Returned
Payment

Up to $30 if your payment is returned for any reason

VISA Credit Card Agreement
APR=Annual Percentage Rate. Equal Opportunity Lender. Subject to Credit Approval.
1) Six-month introductory rate between 0.00% APR-2.99% APR depending on creditworthiness; introductory rate on new purchases and
balance transfers is only available for new U First credit cards.
2) Accurate as of 8/1/2017; rates may vary. Rate offered determined by applicant’s creditworthiness 
3) Subject to program terms and conditions. See the applicable Bene(cid:215)t Guides for more information. 
4) There is no grace period on balance transfers; a (cid:215)nance charge (based on the account’s current Annual Percentage Rate) will be
imposed from the date the transfer is posted to your credit card account. A list of additional fees can be found in the chart above. Foreign
transaction fee of 1% of each transaction in U.S. dollars whether the transaction does or does not involve a currency conversion.

About Us
History
Locations
Contact Us
Join UFCU
Membership Bene(cid:215)ts
Discover the UFCU Difference
Careers
Share Insurance
Rates & Fees
Site Map

PR & Reports
Press Releases
Annual Financial Report

Follow Us

UFCU Routing Number: 272484894  
NCUA – Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
National Credit Union Administration, a U.S. Government agency. Equal Housing Lender – We do business in accordance with the Fair
Housing Law and Equal Opportunity Credit Act. NMLS #471962.
If you are using a screen reader or other auxiliary aid and are having problems using this website, please call (888) 982-1400 for assistance.
All products and services available on this website are available at all UFCU full-service locations.
Policies: Security, Online Terms & Conditions, Privacy Policy, Policies & Disclosures, Email Preferences
Copyright ©2017 United Federal Credit Union