Credit Cards

Slim down your wallet with Visa® plastic! For Your Information

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, and a credit line up to $20,000 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.

Gain remote control of your card through the SecurLOCK App, including lock/unlock. Click HERE for more information.

Ulster Federal debit and credit cards now support mobile wallets. including Apple Pay, Google Pay (G-Pay) and Samsung Pay. Read more here.

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 $5000
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!