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Rewards Visa® Power Card™

12 Month Introductory Rate 1.99% APR*
Low Regular Rates 8.99% – 17.99% APR* on purchases, balance transfers, and cash advances

TRANSFER YOUR OTHER CARD BALANCES!

NO Balance Transfer Fee!
Plus, earn the same low rates on your transferred balances as on new purchases

NO ANNUAL FEE

No annual fee – plus no cash advance fee, no transaction fee, no balance transfer fee, no inactivity fee, and no minimum finance charge.

EASY REWARDS

Earn 1 UECU VantagePointfor every $1 you spend!
Redeem your points for cash back, gift cards, & loan rate discounts!

EARN EXTRA POINTS

Start off half-way to your first reward! Earn 1,500 when you activate and use your card. Earn Extra Points for the first 30 days after receiving your card (2 Points for every $1 spent)!^
VantagePoints™ add up quickly …
3,000 Points = $25 Gift Certificate

FREE PERKS

Enjoy free built-in perks like Visa global assistance, fraud protection, personal identity theft coverage, auto rental insurance, travel accident insurance, and much more!
SHARE-SECURED Visa® 5.50% APR†† on purchases, balance transfers, and cash advances

*APR = Annual Percentage Rate. 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. At the time of your card application, your regular interest rate is based on an evaluation of credit-worthiness criteria and is identified in your Visa Power Card™ Credit Agreement and Truth-In-Lending Disclosure. Following 12 complete monthly UECU credit card statement cycles , all balances, existing and new, will change to normal pricing and will accrue interest at the interest rate identified in your credit agreement and disclosure. 1.99% APR Intro Rate offer is for first time cardholders only.

^Activation and first purchase points are earned on new cards only, not reissued or replacement cards. They are only offered for the first 90 days after account opening. For joint cardholder accounts, bonus activation and bonus first transaction points apply only to first card to transact. Points are earned at account level not card level.

† Points earned on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. Rate reduction reward can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.

††Share Secured Power Card rate is 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. Share Secured rate is quoted as of 3/16/2019.

Credit Card offers are everywhere! Choose and use them wisely.

Let UECU CueItup!

Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now

Share-Secured Visa® Power Card™

UECU’s Share-Secured Visa® Power Card™ preserves your Share Savings Account balance while having funds available when you need them. Enjoy the flexibility of a credit card without the stringent credit guidelines usually necessary to qualify. It’s a WIN–WIN situation!

  • Save money with a LOW variable rate by securing the funds in your Share Savings Account as collateral while continuing to earn dividends on those funds.
  • Improve or rebuild your credit for a future of financial well-being.

Earn REWARDS – for every $1.00 spent you will receive one VantagePoint™.* Use those points for gift certificates, cash back or loan rate discounts.

Click here for Current Rates


Ready to Get Started?
Call 800.288.6423 or Apply Online.

Apply Now Forms and Disclosures

Flex HELOC Visa® Card

Enjoy one of our lowest rate credit cards by making your home’s equity work for you.

  • Save money with no annual fee, no balance transfer fees, and no transaction fees for purchases
  • Relax and enjoy the ease of accessing your line of credit up to 100% of the value of your home

Click here for Current Rates


Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Forms and Disclosures

* Points earned on Visa purchases. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. 

Transfer Your High-Rate Credit Card Balances to the Visa Power Card™ and Save

 

 

Promotional Rate

Balance Transfer Fee

New Cardholders

1.99% APR* for the first 12 months

None

Existing Cardholders

 3.99% APR** for 12 months

None

Ready to Get Started?
New cardholders can call 800.288.6423 or Apply Online. Existing cardholders can apply for a credit limit increase or set up a balance transfer by calling 800.288.6423.
Apply Now Forms and Disclosures

*APR = Annual Percentage Rate. 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. At the time of your card application, your regular interest rate is based on an evaluation of credit-worthiness criteria and is identified in your Visa Power Card™ Credit Agreement and Truth-In-Lending Disclosure. Following 12 complete monthly UECU credit card statement cycles , all balances, existing and new, will change to normal pricing and will accrue interest at the interest rate identified in your credit agreement and disclosure. 1.99% APR Intro Rate offer is for first time cardholders only.

**APR = Annual Percentage Rate. Following 12 complete monthly UECU credit card statement cycles, any remaining balance will change to normal pricing and accrue interest at the interest rate identified in your credit card agreement and disclosure

UECU Credit Card Benefits:

  • Same low rates for cash advances and balance transfers
  • No annual fee, no transaction fee, no inactivity fee, no minimum finance charge
  • Low foreign transaction fee when you use your card outside the U.S.
  • Reward points on your daily purchases (certain restrictions apply)
  • 24-hour account access with online and mobile banking
  • Convenient Mobile Pay Services with Apple Pay™, Android Pay™, and Samsung Pay
  • Card Controls
  • Warranty Manager Service
  • Personal Identity Theft Benefit
  • Zero liability for unauthorized purchases
  • Price Protection (Visa Power Card™ only)
  • Auto Rental Collision Damage Waiver
  • Visa Card Travel and Emergency Assistance Services (Flex HELOC only)
  • Travel Accident Insurance (Visa Power Card™ only)
  • Visa Global Assistance Services
  • Visa Checkout
  • Visa Purchase Alerts

For more information about credit card benefits, refer to the Visa Card Guides to Benefit below:

*Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits andrestirctions apply.

Mailing Address for Visa Payments:
Utilities Employees Credit Union
Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702

* Please note this address is for Visa payments only.

 Rates as low as 2.49% APR** with the .25% TRUECar Discount!

Call 800.288.6423 ext. 4001 to get pre-approved before you shop!

Apply Now  Search NEW Vehicles   Search USED Vehicles

*Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. Your actual savings may vary based on multiple factors including the vehicle you select, region, dealer, and applicable vehicle specific manufacturer incentives which are subject to change. The MSRP is determined by the manufacturer, and may not reflect the price at which vehicles are generally sold in the dealer's trade area as not all vehicles are sold at MSRP. Each dealer sets its own pricing.

**APR=Annual Percentage Rate. UECU’s lowest auto loan rate of 2.49% APR is based upon an evaluation of credit-worthiness criteria, maintaining an active UECU checking account (at least one transaction per month), and purchasing a vehicle through a Certified TrueCar Dealer. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only. Certain loan-to-value, auto model year, and term restrictions apply.

 

How do you know which auto loan is best for you?

Let UECU CueItup!

Flex HELOC

2.99% APR* 12-month Intro Rate

We’ve combined flexibility with savings and created a Flex HELOC. It’s a variable rate line of credit with a fixed-rate option. So when you need money for home improvements, debt consolidation, large purchases, or emergencies, you can easily access the funds you need, and save by locking in the rate. You’ll have the option of locking in a fixed rate on all or part of your current balance, without having to reapply.

Member Benefits

  • 2.99% APR* 12-month line of credit introductory rate
  • Regular rate as low as Prime Rate (variable rate)
  • No annual fee, no application fees or closing costs**
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

APR=Annual Percentage Rate

Home Equity Term Loan

Current Rate as Low as 3.74% APR*

Make your home’s equity work for you. Whether you need to make home improvements, consolidate debt, buy a car, or pay college tuition, this loan is the solution to just about anything you could think of.

  • Save money with no application fee, and no closing costs, or points**
  • Enjoy peace of mind knowing you can borrow up to 100% of the value of your home
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

*APR=Annual Percentage Rate. 

Treating you differently

Houses, like people, are different – and your mortgage demands aren’t the same as those of your friends and family. At Utilities Employees Credit Union, we don’t offer a single “one size fits all” financing solution: our broad range of options guarantees you will find the loan that best suits your unique needs.The Credit Union offers:

  • Fixed rate mortgages
  • Adjustable rate mortgages
  • First-time homebuyer program
  • Refinance options
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Today Learn More Forms and Disclosures
CueItUp

A mortgage is just one piece of the home buying process.  Are you ready?

Let UECU CueItup!

Current Rate as low as 6.99% APR*

Whether you’re consolidating debt or facing unexpected expenses, our personal loan options meet your specific needs when your collateral options are limited.

  • With flexible terms you choose a repayment period that suits your financial situation
  • With approvals up to $25,000 enjoy peace of mind knowing whatever expense you have, it is paid for

Convenience of Payroll Deductions, Direct Deposit or AutoPay makes paying your loan easy. No more writing checks or worrying if your payment made it there on time.

 
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

* APR=Annual Percentage Rate. Your rate may differ. Rates range from 6.99% APR to 15.50% APR. Lowest quoted rate and payment amount is based upon an evaluation of credit-worthiness criteria and maintaining an active UECU checking account (at least one transaction per month). Offer may be discontinued at any time without prior notice. Equal Opportunity Lender.

CueItUp

 Personal loans are not payday loans. Both are fast ways to loan money, but they are not the same.

Let UECU CueItup!

The best of both worlds! Borrowing power with great savings benefits!

  • Secure the lowest rate possible by using the funds in your Share/CD account as collateral
  • Continue to earn a high dividend yield on the funds you use for collateral
  • Convenience of Payroll Deduction, Direct Deposit or AutoPay makes paying your loan easy.
Ready to Get Started?
Call 800.288.6423 or Apply Online.
Apply Now Learn More Forms and Disclosures

Student Choice - A Better Way to Pay for College

Whether you’re just beginning your college career or you’re looking to refinance/consolidate your existing student loans, we have a Student Choice Loan Solution for You!

Undergraduate Loans – We are proud to offer the Student Choice private loan solution to help fill educational funding gaps. When federal aid just isn’t enough, we can help! Enjoy:

  • Competitive interest rates
  • In-school deferment
  • Flexible repayment terms
  • Convenient line of credit structure

Refinance/Consolidation Loans – Take control of your student loan payment! You’ll be able to refinance and consolidate your private and federal student loans (including PLUS loans) into one manageable loan, setting up one convenient payment, and potentially lowering your rate.* You may be a good candidate for refinancing your student loans with UECU if:

  • You’re paying a high interest rate on your loans
  • You have multiple private student loans and/or higher rate federal loans
  • You have a good credit history or a qualified co-signer

*Subject to credit qualification and additional criteria, including graduating from an approved school.

Undergraduate  Refinance/Consolidate

 

CueItUp

Student loan options can really be confusing. But it doesn’t have to be!

Let UECU CueItup!

Federally Insured by NCUA
2019 © Utilities Employees Credit Union. All Rights Reserved.

At Utilities Employees Credit Union we are actively working to increase accessibility and usability of our website for every visitor in accordance with ADA standards and guidelines. If you are using an auxiliary aid or a screen reader and need assistance please visit our accessibility page and use the contact information to be connected to a UECU Representative.
All products and services available on this website are available at Utilities Employees Credit Union at 11 Meridian Boulevard in Wyomissing, Pennsylvania.