Slim down your wallet with Visa® plastic!

Why pay higher interest rates on your other credit cards when you can pay a low, fixed rate on your Ulster FCU VISA® card? Other credit cards’ introductory rates can sometimes increase to 21% after the introductory period, resulting in higher interest charges over the course of time.

But with a credit union VISA card, you enjoy low monthly payments, no annual service charge, a 25-day grace period on purchases, and a credit line up to $10,000 for qualified applicants. Fill out an application and see how our VISA card can work for you. Once approved, you will receive your credit card in approximately 10 days. We offer VISA cash advances at our teller windows, which can be used to pay off your other higher-interest credit cards.

Classic Platinum Visa®

Our Classic Platinum card is great for members just getting started with credit or for members who don’t want a large credit line. 

  • Minimum credit line of $500
  • Maximum credit line of $7500, depending upon salary and credit rating
  • 11.95% APR, including balance transfers
  • 13.92% APR for cash advances 

Platinum Visa®

The Platinum card is for those members who want a higher credit line.

  • Minimum credit line of $5000
  • Maximum credit line of $10,000, depending upon salary and credit rating
  • $25,000 annual salary required
  • 10.95% APR, including balance transfers
  • 13.92% APR for cash advances 

Secured Visa®

For members looking to establish credit or rebuild poor credit, we offer a secured credit card. The credit line is secured with funds in a credit union share account or share certificate.

The credit limit is secured by 150% of the limit granted. For example, a $250 credit limit card would be secured by a share account with $375.

Verified by Visa®

Verified by Visa® adds an extra layer of security in the unfortunate event that your Visa card or account number is lost or stolen. Enrollment is quick and easy!

  • Free service for Ulster FCU credit card holders
  • Guarantee the safety of your account information
  • Shop online with confidence
  • Find out more and register your card online at Verified by Visa.