Credit union · NCUA insured
UCCU Credit Card Rates
UCCU credit cards start at 10.25% APR on purchases, after any introductory rate. Rates checked October 7, 2026.
How UCCU’s credit card rates compare
Compared with banks and credit unions near Provo, UT, where UCCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UCCU
10.25%APR
- Up to
- 16.75% APR
Low Rate Visa Credit Card
Lowest rate
Deseret First Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Goldenwest Credit Union
10.24%APR
- Up to
- 18.00% APR
UCCU credit card score
81
Credit card score
Higher than 56% of U.S. banks and credit unions
- Purchase APRPurchase APR10.25%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UCCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
4321 Everyday Rewards Visa Credit Card
No monthly or annual fee. Financing is subject to UCCU membership and underwriting criteria; not every applicant will qualify. Up to 2% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed 18.00% APR. Monthly payment is 2.5% of balance. No monthly or annual fees. |
4321 Travel Rewards Visa Credit Card
Financing is subject to UCCU membership and underwriting criteria; not every applicant will qualify. Credit limit below $5,000 receives a platinum card; $5,000 and above receives a signature/metal card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | $50 | Fixed 18.00% APR. $50 annual fee charged each year on the anniversary of opening or transfer. Monthly payment is 2.5% of balance. Up to 2% foreign transaction fee (or no foreign transaction fee on Wolverine Travel variant). |
Low Rate Visa Credit Card
Financing is subject to UCCU membership and underwriting criteria; not every applicant will qualify. Up to 2% foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.25%–16.75% | None | Variable APR ranges from 10.25% to 16.75% APR. Monthly payment is 2.5% of balance. |
| Intro, 6 months | 0.00% | None | 0% introductory APR on purchases for 6 months from when credit limit is available for new UCCU credit cards. After the intro period, APR will be as low as 11.00% variable APR based on Prime Rate. |
Who can join UCCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join the Financial Fitness Association to qualify for UCCU membership, and UCCU will pay the one-time membership fee.
- Membership is available to any individuals and businesses in the United States.
Employers and groups
- Eligible to join through qualifying employer or association groups listed on UCCU's Employment & Association List.
Military, government and schools
- Employees of NEBO School District and Provo City School District are eligible for membership.
- Utah Valley University employees, students, Alumni Association members, Athletics, corporate partners, and donors are eligible for membership.
Family and household
- Eligible if a family or household member is already a UCCU member or is eligible for UCCU membership.
1 more way to join
Family and household
- Eligible if someone in your immediate family (including grandparents and blended family connections) or household (living under the same roof) is already a UCCU member.
Cost to join
- $5 to fund the account via credit card or external bank account (only for accounts opened online).
Membership information collected October 4, 2026.