Credit union · NCUA insured
Universal 1 Credit Union Credit Card Rates
Top CarrotUniversal 1 Credit Union credit cards start at 10.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Universal 1 Credit Union’s credit card rates compare
Compared with banks and credit unions near Dayton, OH, where Universal 1 Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Universal 1 Credit Union
10.99%APR
- Up to
- —
U1 Platinum
Lowest rate
Firefighters & Company Federal Credit Union
6.99%APR
- Up to
- 15.99% APR
2nd-lowest rate
Wright-Patt Credit Union
9.75%APR
- Up to
- 17.75% APR
Universal 1 Credit Union credit card score
77
Credit card score
Higher than 44% of U.S. banks and credit unions
- Purchase APRPurchase APR10.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Universal 1 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.
U1 Platinum
Rates, terms, and conditions vary based on creditworthiness. Non-variable rate. $0 Monthly Fee. $0 Balance Transfer Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Annual Percentage Rate (APR) for Purchases. Rate based on creditworthiness. $0 Monthly Fee. $0 Balance Transfer Fee. |
| Ongoing | 14.92% | None | APR for Cash Advances of 14.92%. |
Sources (2)
All captured Oct 6, 2026
U1 Platinum Variable
Variable APR determined by adding a margin to the Prime rate; rate may vary after account opening. Margin based on individual creditworthiness. Maximum APR is 18%. $0 Monthly Fee. $0 Balance Transfer Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.75%–18.00% | None | Based on creditworthiness. Variable APR based on the Prime Rate. $0 Monthly Fee. $0 Balance Transfer Fee. |
| Ongoing | 18.00% | None | APR for Cash Advances of 18.00%. |
| Ongoing | 14.00% | None | APR (As Low As) from website table. Rate may vary after account opening. $0 Monthly Fee. $0 Balance Transfer Fee. |
Sources (2)
All captured Oct 6, 2026
Visa Secured
Secured credit card.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.00% | None | Fixed APR for Purchases of 18.00%. |
Sources (2)
All captured Oct 6, 2026
Who can join Universal 1 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 available to individuals who live, work, worship, or attend school in Butler, Clark, Clinton, Darke, Fayette, Franklin, Greene, Guernsey, Highland, Licking, Miami, Montgomery, Pickaway, Pike, Preble, Ross, Shelby, or Warren County.
Employers and groups
- Eligibility is available to individuals who belong to a select Employee Group (SEG) or work with one of U1's company partners.
Family and household
- Eligibility is available to individuals who have a family member with a U1 account.
Cost to join
- At formation in 1937, seven Charter members each contributed $10.
Membership information collected October 5, 2026.