Too many cards in your wallet? Make room for the one and only card you need. Move all your balances to one low rate card. USFCU Visa Credit card rates start as low as 7.90% apr*. Simplify your life and save some money.

USFCU Visa Credit Cards Offer:

  • Limits up to $50,000
  • No Annual Fee
  • No Balance Transfer Fees
  • No Cash Advance Fees
  • No Over Limit Fees
  • ScoreCard Rewards Points
  • Travel Accident Insurance
  • Credit Life, Disability & Unemployment Insurance (available option)

If you are an existing USFCU Visa credit cardholder, all you have to do is bring us a copy of the statement on the card you want to pay off. We will add the balance to your USFCU Visa and send the payoff for you. It's that simple.

Not a current cardholder? Apply now and bring US a copy of all the bills you want paid off. That's it!

 Some restrictions may apply. Rates are subject to change without notice. Visas are subject to approval. Other rates and terms available. See US for complete details and disclosures.

Double Points Promotion

If you're in the market for an auto loan, now's the time to buy. Got a high interest rate on your current auto loan? Let US save you some money.

Right now, when you finance or refinance and auto loan with US, you can earn double points on gas purchases when you use your USFCU Visa Credit Card.

Not a cardholder? Now's the time to get your low rate Visa credit card with US. Auto loan rates are as low as 1.59% apr* and Visa rates start at 7.90% apr*. Let US help you save today.

Click here to apply. Check our rates.

*Annual Percentage Rate - Some restrictions may apply. Rates are subject to change without notice. Loans and Visas are subject to approval. Other rates and terms available. Sample auto loan payment per $1,000 is $28.48 based on 36 months at 1.59% APR for a 2004 model or newer. See US for complete details and disclosures. 

 VISA® Discount Program 

Click on the picture to view valuable discounts and coupons when using your USFCU Platinum Visa Credit Card!

To report a lost or stolen credit card call 1-800-325-3678.
NOTE:  USFCU VISA® Credit Cards are accepted worldwide.  However, USFCU restricts VISA® Credit Card transactions from these 3 countries:
  1. United Kingdom (England, Scotland, Wales, and Northern Ireland)
  2. Australia  
  3. Syria

USFCU began blocking transactions from the UK and Australia in February 2005, due to numerous cases of fraudulent cash advances and we continue to see large amounts of attempted fraud from these areas.


IMPORTANT INFORMATION ON CHARGEGARD 2000 LIMITATIONS, EXCLUSIONS, COSTS: Upon acceptance of your enrollment, you will receive your certificates and/or policies indicating your effective date. Eligibility, restrictions and exclusions vary by coverage and state. Read your certificates and/or policies carefully for full details. If you have other insurance that covers the same risks as described, you may not need or want to purchase this insurance. You are free to cancel anytime. Premium rates are subject to change. Rates disclosed are accurate as of the printing date of this disclosure. The underwriters referenced below reserve the right to modify the terms and conditions of the insurance certificates and/or policies upon written notice and subject to state regulations.

COVERAGE IS NOT AVAILABLE IN: MN & MS. LIFE COVERAGE: If you or your joint cardmember die (joint cardmember must be spouse or business partner in GA, MD, NM & TX; if no joint cardmember, then spouse), Chargegard 2000 will pay to the Creditor the outstanding account balance as of the date of death, up to the master policy maximum of $10,000. Only single Life coverage in CA & ME. Suicide is excluded except in MD, ME & MO. Life coverage is replaced with Accidental Death coverage at age 65 in HI; 66 in IA, IN, VT & WY. In CA, we won't pay a claim on an advance if you commit suicide within six months of that advance.

DISABILITY/UNEMPLOYMENT COVERAGE (applies only to you, the primary cardmember): If you become totally disabled or involuntarily unemployed, Chargegard 2000 will pay to the Creditor your scheduled minimum monthly payment due on your account as of the date of loss, until your balance is paid off, you return to work, or you reach the master policy maximum of $10,000, whichever occurs first. You are eligible for these coverages if employed 30 hours or more a week or as otherwise required by state law, (in PA, employed at least 9 months of the year) in a non- seasonal occupation (seasonal restriction does not apply to disability in AK, AL, AZ, CA, CO, MD, ME, MI, MO, MT, NJ, NM, NY, OR, PA, RI, SC, TX, VA & WI; to unemployment in AK, AL, CO, MD, ME, MI, MO, MT, NC, NJ, NM, NY, PA, SC & WI). Benefits begin after 30 consecutive days of unemployment or disability and are retroactive to the first day of loss. Disability coverage is not retroactive in MA. Unemployment benefits are limited to 12 months in PA. Disability benefits not payable for normal pregnancy/childbirth in CA; flight in non-scheduled aircraft in MA, NC & PA; military service in NC; pregnancy in NC, PA & VA; self inflicted injury in CA, MA, NC, NY, PA & VA; suicide in CT; sickness from intoxication in NC; foreign travel/residence in MA; war in MA & NC. Unemployment excludes discharge for cause in CT & MA; willful or criminal misconduct in CT, MA, NY & TX; disability in CT, MA, NY, TX & WI; voluntary forfeiture of salary, wages or employment income in CT, MA, NY & TX; incarceration in ME; labor disputes in AR & IL; lockouts in IL & NY; strikes in AR, IL & NY; notification of pending unemployment in CT, MA & TX; pregnancy in ME; voluntary resignation in NY; self employment in CT, MA, ME & TX; severance pay in ME; voluntary discharge from military in NY; illegal walkout in NY.

LEAVE OF ABSENCE: (applies only to you, the primary cardmember): Chargegard 2000 will pay to the Creditor your scheduled minimum monthly payment based on the outstanding balance as of the date of leave, for up to six months, if you take a temporary, employer approved unpaid leave of absence from work due t accident or illness of an immediate family member; childbirth/adoption (except in NJ); recall to active military service; or residing in a federally-declared disaster area. Benefits begin after 30 consecutive days of leave of absence and are paid retroactive to the first day of leave. You are eligible for this coverage if employed full-time by someone other than yourself, in a non-seasonal occupation. Benefit payments do not apply to leave during the first 90 days of coverage (except in KS and NJ). Leave of Absence coverage is not available In AK,ID, IN, LA, MO, NC, NE, NH, NM, NY, OR, SC, TX, VA & VT.

GENERAL PROVISIONS: Maximum enrollment age is 69, except: 64 in CA, HI, NJ, RI, WA & WI; 65 in CT, IA, IN, MA, ME, NY, OR, PA, VT & WY; 70 in FL, MI, MO & OK; 71 in NM; coverage terminates at age 65 in CA, NJ, RI, WA & WI; 66 in CT, MA, ME, NY, OR & PA.  In TX, no maximum age applies.  The monthly premium charged to your credit card account will be 82¢: per $100 of your outstanding balance, except: 59.7¢ in AK; 87¢ in AL; 81.8¢ in AZ; 68.6¢ in CA; 40¢ in CO; 64.1¢ in CT; 79.8¢ in GA; 73.5¢ in HI; 73.7¢ in IA; 71.2¢ in ID; 59.9¢ in IN; 66¢ in LA; 64.9¢ in MA; 33.8¢ in MD; 72¢ in ME; 79.7¢ in MI; 60¢ in MO; 64.6¢ in NC; 80.8¢ in ND; 67¢ in NE; 46.9¢ in NH; 74¢ in NJ; 60.9¢ in NM; 28.8¢ in NY; 81.9¢ in OH; 59.5¢ in OR; 65.8¢ in PA; 75¢ in RI; 67.4¢ in SC; 38.6¢ in TX; 78.6¢ in UT; 29.1¢ in VA; 43.9¢ in VT; 76¢ in WA; 69.1¢ in WI; 77.5¢ in WY.  The cost of credit insurance will be financed at the rate specified in your credit card agreement.

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