Utilities Employees Credit Union
No extra charges. No hidden fees.
Just a smarter way to save.
Have questions? Need help? Call 800.288.6423
12 Month Introductory Rate
1.99% APR1APR=Annual Percentage Rate. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate (“index”) plus or minus the “margin” as disclosed in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice.
Low Regular Rates
8.75% – 18.00% Variable APR1APR=Annual Percentage Rate. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate (“index”) plus or minus the “margin” as disclosed in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice. on purchases, balance transfers, and cash advances
TRANSFER YOUR OTHER CARD BALANCES!
NO Balance Transfer Fee!
Plus, earn the same low rates on your transferred balances as on new purchases
NO ANNUAL FEE
No annual fee – plus no cash advance fee, no transaction fee, no balance transfer fee, no inactivity fee, and no minimum finance charge.
EASY REWARDS
Earn 1 UECU VantagePoint™ for every $1 you spend!2Points earned on Visa purchases – exclusions may apply. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. New Visa Power Card™ holders earn 2 points for every $1 spent on purchases for the first 30 days. Cardholders earn 1 point for every $1 spent thereafter. Rate reduction reward can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. 10,000 points is required to redeem a .25% rate reduction. Rate reduction is limited to a maximum of .25% per new loan. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. For complete VantagePoints™ rules, visit uecu.org/vantagepoints.
Redeem your points for cash back, gift cards, & loan rate discounts!2Points earned on Visa purchases – exclusions may apply. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. New Visa Power Card™ holders earn 2 points for every $1 spent on purchases for the first 30 days. Cardholders earn 1 point for every $1 spent thereafter. Rate reduction reward can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. 10,000 points is required to redeem a .25% rate reduction. Rate reduction is limited to a maximum of .25% per new loan. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. For complete VantagePoints™ rules, visit uecu.org/vantagepoints.
Earn Extra Points
Start off half-way to your first reward! Earn 1,500 when you activate and use your card. Earn Extra Points for the first 30 days after receiving your card!3Activation and first purchase points are earned on new cards only, not reissued or replacement cards. They are only offered for the first 90 days after account opening. For joint cardholder accounts, bonus activation and bonus first transaction points apply only to first card to activate or transact.
VantagePoints™ add up quickly … 3,000 Points = $25 Gift Card
FREE PERKS
Enjoy free built-in perks like Visa global assistance, fraud protection, personal identity theft coverage, auto rental insurance, travel accident insurance, and much more!
SHARE-SECURED Visa®
6.75% APR4Share Secured Power Card™ rate is based on Wall Street Journal Prime Rate (“index”) plus 0.00% (“margin”) and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 1/1/2026. on purchases, balance transfers, and cash advances
Enjoy one of our lowest rate credit cards by making your home’s equity work for you.
Visa Power Card™, Share Secured Visa Power Card™, Flex HELOC Visa Card, Home Equity Visa Platinum Card benefits include:
Travel and Emergency Assistance Services
Extended Warranty Protection
Travel Accident Insurance
Porch Piracy Protection
Auto Rental Collision Damage Waiver
Personal Identity Theft
Same low rates for cash advances and balance transfers
No annual fee, no transaction fee, no inactivity fee, no minimum finance charge
Low foreign transaction fee when you use your card outside the U.S.
Visa Global Assistance Services
Visa Click to Pay
Visa Purchase Alerts
For additional information about Visa benefits, visit uecu.org/visabenefits.
*Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits and restrictions apply.
Mailing Address for Visa Payments:
Utilities Employees Credit Union
Attn: Visa Department
P.O. Box 66702
St. Louis, MO 63166-6702
Please note: this address is for Visa payments only.
Disclosures:
APR=Annual Percentage Rate. Introductory rate of 1.99% APR applies to any advances added to your UECU Visa® Power Card™ during the first 12 months after its issue. At the time of your card application, your regular variable interest rate is based on an evaluation of credit-worthiness criteria and is identified in your credit card agreement and disclosures. Not all applicants will qualify for approval. Following 12 complete monthly UECU credit card statement cycles, all balances, existing and new, will accrue interest at your regular variable rate, which is the Wall Street Journal Prime Rate (“index”) plus or minus the “margin” as disclosed in your credit agreement and disclosure. APR will not exceed 18%. The intro rate offer of 1.99% APR is for first time cardholders only. Offer may be withdrawn at any time without notice.
Points earned on Visa purchases – exclusions may apply. ATM cash transactions or cash advance transactions are not eligible to earn points. Points are earned net of credits. New Visa Power Card™ holders earn 2 points for every $1 spent on purchases for the first 30 days. Cardholders earn 1 point for every $1 spent thereafter. Rate reduction reward can be used on a new loan only. Rate reduction cannot be used on Visa® Power Card™, Home Equity Loans, Mortgages or Lines of Credit. 10,000 points is required to redeem a .25% rate reduction. Rate reduction is limited to a maximum of .25% per new loan. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. For complete VantagePoints™ rules, visit uecu.org/vantagepoints.
Activation and first purchase points are earned on new cards only, not reissued or replacement cards. They are only offered for the first 90 days after account opening. For joint cardholder accounts, bonus activation and bonus first transaction points apply only to first card to activate or transact.
Share Secured Power Card™ rate is based on Wall Street Journal Prime Rate (“index”) plus 0.00% (“margin”) and may vary and adjust accordingly. Share Secured Power Card is 100% share secured. Share Secured rate is quoted as of 1/1/2026.
