Credit union · NCUA insured
United Financial Credit Union Credit Card Rates
Top CarrotUnited Financial Credit Union credit cards start at 24.00% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How United Financial Credit Union’s credit card rates compare
Compared with banks and credit unions near Saginaw, MI, where United Financial Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
United Financial Credit Union
24.00%APR
Platinum Credit Card
Lowest rate
Family First Credit Union
8.90%APR
2nd-lowest rate
Security Credit Union
8.90%APR
United Financial Credit Union credit card score
60
Credit card score
Higher than 0% of U.S. banks and credit unions
- Purchase APRPurchase APR24.00%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where United Financial 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 Credit Card
No Annual Fee. Introductory APR applies to purchases and balance transfers for transactions posted during the first 90 days following account opening; existing balances on United Financial Credit Union loan or credit card accounts are not eligible for introductory APR on balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.90% | None | Introductory APR for six months from account opening for purchases (applies to transactions posted during first 90 days). |
| Ongoing | 8.75%–22.25% | None | After that, your APR will be 8.75% to 22.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Ongoing | 24.00% | None | — |
Sources (2)
All captured Oct 16, 2026
Platinum Rewards Credit Card
No Annual Fee. Introductory APR applies to purchases and balance transfers for transactions posted during the first 90 days following account opening; existing balances on United Financial Credit Union loan or credit card accounts are not eligible for introductory APR on balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 4.90% | None | Introductory APR for six months from account opening for purchases (applies to transactions posted during first 90 days). |
| Ongoing | 11.75%–22.25% | None | After that, your APR will be 11.75% to 22.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
| Ongoing | 24.00% | None | — |
Sources (2)
All captured Oct 16, 2026
UFirst Credit Card
Helps build or restore credit. No Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.75% | None | This APR will vary with the market based on the Prime Rate. |
| Ongoing | 17.75% | None | This APR will vary with the market based on the Prime Rate. |
| Ongoing | 24.00% | None | — |
Sources (2)
All captured Oct 16, 2026
UFirst Secured Mastercard
No Annual Fee. For California Borrowers, this is a secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.75% | None | This APR will vary with the market based on the Prime Rate. |
| Ongoing | 24.00% | None | — |
Sources (1)
- unitedfinancialcu.org/wp-conte…C-App-And-Solit-Disc.pdf · captured Oct 16, 2026
Who can join United Financial 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, work, worship, or attend school in the lower peninsula of Michigan are eligible to join.
Family and household
- Immediate family members or household members of current United Financial members (including qualifying out-of-state relatives) are eligible to join.
Membership information collected October 5, 2026.