Credit union · NCUA insured
United Credit Union Credit Card Rates
Top CarrotUnited Credit Union credit cards start at 9.50% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Credit Union’s credit card rates compare
Compared with banks and credit unions near Mexico, MO, where United Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Credit Union
9.50%APR
- Up to
- —
Platinum VISA
2nd-lowest rate
Show Me Credit Union
13.50%APR
- Up to
- —
3rd-lowest rate
Central Bank
15.99%APR
- Up to
- 25.74% APR
United Credit Union credit card score
87
Credit card score
Higher than 78% of U.S. banks and credit unions
- Purchase APRPurchase APR9.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Credit Union 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.
Platinum VISA
Rates based on qualified credit and credit score. 25-day interest-free grace period on purchases. 1% cash back on purchases (rebate limits over $5,000; applies to cards not 15+ days delinquent). Credit lines approved up to $50,000 for qualifying members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.50% | None | Credit Score: 740+ (Grade A+) |
| Ongoing | 11.50% | None | Credit Score: 690-739 (Grade A) |
| Ongoing | 13.50% | None | Credit Score: 650-689 (Grade B) |
| Ongoing | 15.50% | None | Credit Score: 610-649 (Grade C) |
| Ongoing | 21.50% | None | Credit Score: 580-609 (Grade D) |
| Ongoing | 23.50% | None | Credit Score: 579 & LOWER (Grade E) |
Who can join United Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who work or reside in Adair, Audrain, Boone, Callaway, Chariton, Howard, Lincoln, Linn, Macon, Marion, Monroe, Montgomery, Pike, Ralls, Randolph, or Shelby County.
Cost to join
- An initial deposit of $1.00 into a share (savings) account is required for ownership; there is no membership fee to join.
Membership information collected October 4, 2026.