Credit union · NCUA insured
University Credit Union Credit Card Rates
University Credit Union credit cards start at 15.99% APR on purchases, after any introductory rate. Rates checked October 15, 2026.
How University Credit Union’s credit card rates compare
Compared with banks and credit unions near Miami, FL, where University Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
University Credit Union
15.99%APR
Mastercard Classic
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
2nd-lowest rate
First Choice Credit Union
8.75%APR
University Credit Union credit card score
61
Credit card score
Higher than 4% of U.S. banks and credit unions
- Purchase APRPurchase APR15.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where University 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.
Mastercard Classic
Revolving term. Max $10,000 credit limit. Credit criteria apply. Monthly loans calculated using Simple Interest Method on unpaid balance. Subject to approval based on creditworthiness, ability to repay, and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Revolving. Max $10,000. Credit criteria apply. |
Sources (1)
- ucumiami.org/personal/bank/deposit-rates · captured Oct 5, 2026
Mastercard Gold
Revolving term. Max $20,000 credit limit. Credit criteria apply. Monthly loans calculated using Simple Interest Method on unpaid balance. Subject to approval based on creditworthiness, ability to repay, and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Revolving. Max $20,000. Credit criteria apply. |
Sources (1)
- ucumiami.org/personal/bank/deposit-rates · captured Oct 5, 2026
Mastercard Platinum
Revolving term. Max $30,000 credit limit. Credit criteria apply. Monthly loans calculated using Simple Interest Method on unpaid balance. Subject to approval based on creditworthiness, ability to repay, and credit score.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Revolving. Max $30,000. Credit criteria apply. |
Sources (1)
- ucumiami.org/personal/bank/deposit-rates · captured Oct 5, 2026
Mastercard Secured
Credit Builder. Great First Credit Card. No Annual Fee! Secured with a minimum $500.00 deposit account. Max $10,000 credit limit. Low Fixed Rate 9.00%. Credit criteria apply.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.00% | None | Secured with a minimum $500.00 deposit account. Max $10,000 credit limit. Low Fixed Rate 9.00%. No Annual Fee. |
Sources (2)
All captured Oct 5, 2026
Rewards Mastercard
All purchases subject to variable APR equal to prime rate plus applicable margin (12.75% up to 17.99%). No Annual Fee. Points redeemable for travel, cash back, merchandise or gift cards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.75%–17.99% | None | All purchases will be subject to the variable Annual Percentage Rate equal to the prime rate plus applicable margin (12.75% up to 17.99%). No Annual Fee! |
Sources (1)
- ucumiami.org/personal/borrow/credit-cards · captured Oct 5, 2026
Traditional Mastercard
Fixed Rate of 15.99% with Platinum Service. No Annual Fee! No Fee on Balance Transfers or Cash Advances at Credit Union, Banks or ATMs.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.99% | None | Fixed Rate of 15.99% with Platinum Service. No Annual Fee! No Fee on Balance Transfers or Cash Advances at Credit Union, Banks or ATMs. |
Sources (1)
- ucumiami.org/personal/borrow/credit-cards · captured Oct 5, 2026
Who can join University Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone working or living in Miami-Dade County is eligible for membership.
Employers and groups
- Membership in Florida Consumer Council qualifies for eligibility.
- Anyone working in the Legal Field in Law Firms, the Court System or in any business that provide services to the legal community in Miami-Dade, Broward, Palm Beach and Monroe Counties is eligible for membership.
- UHealth staff and their immediate families are eligible for membership.
Military, government and schools
- Florida International University faculty, staff, students, alumni and their immediate families are eligible for membership.
- St. Thomas University faculty, staff, students, alumni and their immediate families are eligible for membership.
1 more way to join
Military, government and schools
- University of Miami faculty, staff, students, alumni and their immediate families are eligible for membership.
Cost to join
- An initial deposit into the new account is required using a credit or debit card.
Membership information collected October 5, 2026.