Credit union · NCUA insured
Utilities Employees Credit Union Credit Card Rates
Top CarrotUtilities Employees Credit Union credit cards start at 8.75% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Utilities Employees Credit Union’s credit card rates compare
Compared with banks and credit unions near Reading, PA, where Utilities Employees Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Utilities Employees Credit Union
8.75%APR
- Up to
- 18.00% APR
Visa® Power Card™
2nd-lowest rate
Discovery Federal Credit Union
8.99%APR
- Up to
- —
3rd-lowest rate
Pagoda Federal Credit Union
9.90%APR
- Up to
- —
Utilities Employees Credit Union credit card score
89
Credit card score
Higher than 87% of U.S. banks and credit unions
- Purchase APRPurchase APR8.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Utilities Employees 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.
Share-Secured Visa® Power Card™
100% secured by funds in Share Savings Account as collateral while continuing to earn dividends. No annual fee, no transaction fee, no inactivity fee, and no minimum finance charge. Same low rates for cash advances and balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 7.00% | None | Rate is variable, based on Wall Street Journal Prime Rate ('index') plus 0.00% ('margin') and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Applies to purchases, balance transfers, and cash advances. Rate is quoted as of 10/16/2026. |
Sources (3)
All captured Oct 16, 2026
Visa® Power Card™
No annual fee, no cash advance fee, no transaction fee, no balance transfer fee, no inactivity fee, and no minimum finance charge. Maximum lifetime interest rate will not exceed 18% APR.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 1.99% | None | Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. For first time cardholders only. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate. |
| Intro, 12 months | 3.99% | None | Promotional balance transfer rate of 3.99% is available for existing cardholders and applies to balance transfers within the promotional period; excludes existing balances. Existing cardholders must contact the Credit Union to request promotional convenience checks to transfer balances from their other credit cards to their Visa Power Card™, up to their credit card limit. Promotional convenience checks cannot be used to pay your existing Visa Power Card™ balance or any other UECU loans. The promotional period starts when promotional convenience checks are issued to the cardholder and ends 12 months after issuance date. Following 12 complete monthly UECU credit card statement cycles, any remaining promotional balances will accrue interest at your regular variable or fixed rate identified in your credit card agreement and opening disclosures. APR will not exceed 18%. Offer may be withdrawn at any time without notice. |
| Ongoing | 8.75%–18.00% | None | Regular variable rate based on an evaluation of creditworthiness criteria and Wall Street Journal Prime Rate ('index') plus or minus the margin as disclosed in credit agreement. Applies to purchases, balance transfers, and cash advances. APR will not exceed 18%. Rate quoted as of 10/16/2026. |
Sources (4)
All captured Oct 16, 2026
Who can join Utilities Employees Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Residents of Pennsylvania can join UECU through the Pennsylvania Consumer Council (PACC).
Employers and groups
- Employees and retirees of UECU's Partner Companies are eligible for membership.
Family and household
- Spouses, domestic partners, children and stepchildren, grandchildren, parents and stepparents, and siblings of existing UECU members are eligible to join.
Cost to join
- Membership in UECU is free with no cost to join.
Membership information collected October 5, 2026.