Credit Cards

Get financing here in the Hudson Valley! For Your Information

BORROW LOCALLY WITH A LOW RATE VISA^®CREDIT CARD FROM ULSTER FCU!

Why pay higher interest rates on your other credit cards when you can pay a low, fixed rate on an Ulster FCU Visa^® Credit Card? Other credit card's rates can skyrocket after introductory periods, resulting in higher interest charges to you. Your Ulster FCU Visa^® Credit Card rate remains the same!

Our Visa^® Credit Card gives you the flexibility you need with the local service you trust. Whether you're managing everyday purchases, planning a larger expense, or building your credit, our card is designed to fit your lifestyle.

Plus, you earn ScoreCard Reward points that can be redeemed for various things such as cashback statement credit, merchandise, travel, and more!

Your Ulster FCU Visa^® Credit Card is also compatible with Mobile Wallets such as Apple, Google, and Samsung Pay.

WHY CHOOSE OUR VISA^® CREDIT CARD?

Competitive rates to help you save on interest
- Fixed rate of 11.95% or 10.95% APR for qualified borrowers
Accepted worldwide wherever Visa^®is recognized
ScoreCard Rewards Program with great statement options!
No fees on balance transfers!
Local decision-making by your trusted UFCU Lending Team

*APR= Annual Percentage Rate. Verification of income and other supporting documentation may be required to complete the processing of an application. Certain restrictions apply such as income requirements, debt to income and length of employment.

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 $20,000, depending upon salary and credit rating
11.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

Platinum Visa^®

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

Minimum credit line of $5,000
Maximum credit line of $20,000, depending upon salary and credit rating
$25,000 annual salary required
10.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

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.

Minimum credit line of $500
Maximum credit line is dependent upon salary and total amount of funds secured
11.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

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!