Credit union · NCUA insured
UFCU Credit Card Rates
Top CarrotUFCU credit cards start at 9.49% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How UFCU’s credit card rates compare
Compared with banks and credit unions near Austin, TX, where UFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UFCU
9.49%APR
Great Rate VISA
Lowest rate
Government Employees FCU
6.99%APR
2nd-lowest rate
PECU
7.99%APR
UFCU credit card score
87
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UFCU 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.
Cash Back VISA
Requirements include having a UFCU checking account with a balance of at least $500, a monthly balance of $50 for the last 3 months, or receiving a direct deposit in your UFCU checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.90% | None | Credit score: Excellent |
| Ongoing | 15.90% | None | Credit score: Good |
| Ongoing | 16.90% | None | Credit score: Average |
| Ongoing | 17.49% | None | Credit score: Fair |
| Ongoing | 17.90% | None | Credit score: Marginal |
Sources (2)
All captured Oct 7, 2026
Great Rate VISA
Requirements include having a UFCU checking account with a balance of at least $500, a monthly balance of $50 for the last 3 months, or receiving a direct deposit in your UFCU checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.49% | None | Credit score: Excellent |
| Ongoing | 11.49% | None | Credit score: Good |
| Ongoing | 13.49% | None | Credit score: Average |
| Ongoing | 16.49% | None | Credit score: Fair |
| Ongoing | 17.90% | None | Credit score: Marginal |
Sources (2)
All captured Oct 7, 2026
Travel Rewards VISA
Requirements include having a UFCU checking account with a balance of at least $500, a monthly balance of $50 for the last 3 months, or receiving a direct deposit in your UFCU checking account.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Credit score: Excellent |
| Ongoing | 14.90% | None | Credit score: Good |
| Ongoing | 15.90% | None | Credit score: Average |
| Ongoing | 16.90% | None | Credit score: Fair |
| Ongoing | 17.90% | None | Credit score: Marginal |
Sources (2)
All captured Oct 7, 2026
Who can join UFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Anyone can join UFCU for free through membership in the American Consumer Council.
Employers and groups
- Employees, students, or alumni of partner organizations (Foundation Communities, Goodwill, Indeed, YMCA) are eligible for membership.
Military, government and schools
- Employees, students, or alumni of participating educational institutions and affiliated medical centers are eligible for membership.
Membership information collected October 5, 2026.