Bank · FDIC insured
United Community Bank Credit Card Rates
United Community Bank doesn’t publish an ongoing APR for its credit cards, only introductory rates. Rates checked October 16, 2026.
How United Community Bank’s credit card rates compare
Compared with banks and credit unions in Illinois, where United Community Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
United Community Bank
– –
- Up to
- —
No ongoing APR published
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
First Community Credit Union
7.90%APR
- Up to
- 16.90% APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Everyday Points Visa
No interest on purchases paid in full within 25-day grace period. After intro APR offer ends, a variable APR will apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 7 months | 0.00% | None | Introductory rate for the first 7 months; after intro APR ends, a variable APR applies. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- ucbbank.com/borrow/credit-cards/credit-card-options
- ucbbank.com/borrow/credit-cards/everyday-points-visa
- ucbbank.com/borrow/credit-cards
All captured Oct 6, 2026
Visa Classic
No interest on purchases paid in full within 25-day grace period. After intro APR offer ends, a variable APR will apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 13 months | 0.00% | None | Introductory rate for the first 13 months; after intro APR ends, a variable APR applies. |
No ongoing APR is published for this card, only the rate above.
Sources (3)
- ucbbank.com/borrow/credit-cards/credit-card-options
- ucbbank.com/borrow/credit-cards
- ucbbank.com/borrow/credit-cards/classic-visa
All captured Oct 6, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.