Credit union · NCUA insured
UNITE Credit Union Credit Card Rates
UNITE Credit Union credit card rates start at 11.90% APR. Rates checked October 16, 2026.
How UNITE Credit Union’s credit card rates compare
Compared with banks and credit unions near Waterloo, IA, where UNITE Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
UNITE Credit Union
– –
- Up to
- —
No ongoing APR published
Lowest rate
CFCCU
9.00%APR
- Up to
- —
2nd-lowest rate
Empeople Credit Union
11.90%APR
- Up to
- 18.24% APR
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.
MasterCard Credit Card
Subject to credit approval. 25-day grace period on purchases. Same low, fixed rate for purchases and cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 7.00% | None | Promotional 7.00% APR on purchases made between April 15 and December 31, 2025. Promotional rate applies for 12 months from first qualifying purchase, after which standard APR applies. Excludes balance transfers and cash advances. Available to new and existing cardholders. Subject to credit approval. |
No ongoing APR is published for this card, only the rate above.
Share Secured MasterCard
Secured by funds on deposit with UNITE Credit Union. Funds available in UNITE account are the only funds available on card. Must be 18 years or older. Minimum balance of $500. Subject to credit approval.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.90% | None | 11.90% APR for purchases, balance transfers, and cash advances. 25-day grace period on purchases; no grace period on cash advances or balance transfers. Minimum interest charge $0.50. Secured by funds on deposit. |
Sources (2)
All captured Oct 7, 2026
Who can join UNITE Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in the Iowa counties of Black Hawk, Butler, Bremer and Grundy are eligible for membership.
Employers and groups
- Employees and retirees of MidAmerican Energy are eligible for membership.
Military, government and schools
- Employees, students, alumni and faculty of the Cedar Falls School District are eligible for membership.
- Employees, faculty, alumni and students of the University of Northern Iowa are eligible for membership.
Family and household
- Families of MidAmerican Energy employees and retirees are eligible for membership.
Membership information collected October 4, 2026.