Credit union · NCUA insured
University Credit Union Credit Card Rates
Top CarrotUniversity Credit Union credit cards start at 11.74% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How University Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, ME, where University Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
University Credit Union
11.74%APR
- Up to
- 18.74% APR
Platinum
Lowest rate
Town & Country Federal Credit Union
8.90%APR
- Up to
- —
2nd-lowest rate
Evergreen Credit Union
8.99%APR
- Up to
- —
University Credit Union credit card score
75
Credit card score
Higher than 38% of U.S. banks and credit unions
- Purchase APRPurchase APR11.74%
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.
Platinum
No annual fee. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 months following account opening on purchases for new accounts. |
| Ongoing | 11.74%–18.74% | None | Standard variable APR for purchases, balance transfers, and cash advances. Rates vary based on Prime Rate and creditworthiness. No balance transfer fee. Cash advance fee: greater of $10 or 3%. |
Sources (1)
- ucumaine.com/credit-cards · captured Oct 15, 2026
Platinum Rewards
No annual fee. Earns rewards points on qualifying net purchases. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 months following account opening on purchases for new accounts. |
| Ongoing | 13.74%–20.74% | None | Standard variable APR for purchases, balance transfers, and cash advances. Rates vary based on Prime Rate and creditworthiness. No balance transfer fee. Cash advance fee: greater of $10 or 3%. |
Sources (1)
- ucumaine.com/credit-cards · captured Oct 15, 2026
University of Maine Alumni Association Platinum Rewards
No annual fee. Affinity card supporting the University of Maine Alumni Association (UMAA). Earns rewards points on qualifying net purchases. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 months following account opening on purchases for new accounts. |
| Ongoing | 13.74%–20.74% | None | Standard variable APR for purchases, balance transfers, and cash advances. Rates vary based on Prime Rate and creditworthiness. No balance transfer fee. Cash advance fee: greater of $10 or 3%. |
Sources (1)
- ucumaine.com/credit-cards · captured Oct 15, 2026
University of Southern Maine Platinum Rewards
No annual fee. Affinity card supporting the University of Southern Maine (USM). Earns rewards points on qualifying net purchases. Membership eligibility applies.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 3.99% | None | Introductory APR for the first 12 months following account opening on purchases for new accounts. |
| Ongoing | 13.74%–20.74% | None | Standard variable APR for purchases, balance transfers, and cash advances. Rates vary based on Prime Rate and creditworthiness. No balance transfer fee. Cash advance fee: greater of $10 or 3%. |
Sources (1)
- ucumaine.com/credit-cards · captured Oct 15, 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
- Individuals who live in, worship in, attend school in, or work in the rural district of Androscoggin, Cumberland, Franklin, Hancock, Kennebec, Knox, Oxford, Penobscot, Somerset, Waldo, and Washington counties, as well as businesses and other legal entities within the rural district boundaries, are eligible for membership.
Employers and groups
- Members of the Maine Consumer Council, a chapter of the American Consumer Council, are eligible for membership.
- Employees of University Credit Union are eligible for membership.
Military, government and schools
- Employees, students, and alumni of the University of Maine System, Maine Maritime Academy, The Landing School, Northeast Technical Institute, and employees of other units located on the campuses are eligible for membership.
Family and household
- Spouses of individuals who died while within the credit union's field of membership, as well as immediate family members (spouse, child, sibling, parent, grandparent, grandchild including step/adoptive) and persons living in the same residence maintaining a single economic unit of eligible individuals, are eligible for membership.
Membership information collected October 4, 2026.