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When you use your UCU MasterCard® you’ll have peace of mind knowing you are getting a low annual percentage rate (APR) and other great benefits. UCU’s MasterCard® Platinum Rewards and Classic cards are accepted at millions of locations worldwide.

Whenever you need an account balance, you can CALL  or log directly into your account on the UCU eBranch to get the most up-to-date information. If your card is either lost or stolen, please CALL immediately to have your card cancelled.

Your MasterCard® is enhanced with the latest level of protection – chip technology. Chip cards have a microchip embedded in the card to provide additional security features and the ability to be used at chip-enabled terminals – locally or around the world. Your UCU MasterCard® has both chip and magnetic stripe technology. That means, regardless of what type of terminal a merchant has, you’ll be able to use your card anywhere MasterCard® is accepted. Find out more about chip technology.

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Platinum Rewards MasterCard®

Click here for the Platinum Rewards MasterCard® disclosure.

Classic MasterCard®

Click here for the Classic MasterCard® disclosure.

Shared Secured MasterCard®

Click here for the Shared Secured MasterCard® disclosure.


1UCU does not charge any annual fee for Platinum MasterCard® , Classic MasterCard®, or Shared Secured MasterCard®.
2UCU does not charge any foreign transaction fees for the Platinum MasterCard®  Classic MasterCard®, or Shared Secured MasterCard®.
UCU does not charge a balance transfer fee for the Platinum MasterCard®  Classic MasterCard®, or Shared Secured MasterCard®.
The Platinum MasterCard® has a fee of 2% of the amount of each cash advance (for a minimum of $3).
The Classic and Share Secured MasterCard® has a fee of 2% of the amount of each cash advance (for a minimum of $3).
The Platinum MasterCard’s® is a variable rate card and the annual percentage rate may vary after the account is opened.
Penalty fees: Late payments, $10 each, return payments, $20 each. There are no over the credit limit fees.
Rates are subject to change without notice. Loan issued subject to credit review. To establish membership you must deposit at least $5 to a Regular (Share) Savings Account. Contact UCU for complete details.