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Utilities Employees Credit Union
Zero Fees. Zero Worries.
Move Your Balance and Skip the Extra Costs with a Visa® Power Card™.
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 Offer may be withdrawn at any time without notice. for 12 Months for New Cardholders
Ready to set up a balance transfer?
New Cardholders – call 800.288.6423, ext. 4001 or apply online.
Existing cardholders – call 800.288.6423, ext. 4001 to request a credit limit increase or a balance transfer.
Transfer Your High-Rate Credit Card Balances to the Visa Power Card™ and Save
| Promotional Rate | Balance Transfer Fee | |
|---|---|---|
| New Cardholders | 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 Offer may be withdrawn at any time without notice. for the first 12 months | None |
| Existing Cardholders | 3.99% APR2Promotional balance transfer rate of 3.99% is available for existing cardholders and applies to balance transfers within the promotional period; excludes existing balances. Existing cardholders must contact the Credit Union to request promotional convenience checks to transfer balances from their other credit cards to their Visa Power Card™, up to their credit card limit. Promotional convenience checks cannot be used to pay your existing Visa Power Card™ balance or any other UECU loans. The promotional period starts when promotional convenience checks are issued to the cardholder and ends 12 months after issuance date. Following 12 complete monthly UECU credit card statement cycles, any remaining promotional balances will accrue interest at your regular variable or fixed rate identified in your credit card agreement and opening disclosures. APR will not exceed 18%. Offer may be withdrawn at any time without notice. for 12 months | None |
Ready to Get Started?
New cardholders can call 800.288.6423 or Apply Online. Existing cardholders can apply for a credit limit increase or set up a balance transfer by calling 800.288.6423, ext. 4001.
Credit Card Benefits
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
For additional information about Visa benefits, please refer to the Visa Credit Card Guide to Benefits.
*Identity Theft Coverage provided by Indemnity Insurance Co. of North America. Certain limits and restrictions apply.
Rewards Visa® Power Card™
| 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. |
| 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!3Points 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. 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. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. Redeem your points for cash back, gift cards, & loan rate discounts!3Points 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. 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. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction. |
| 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 (2 Points for every $1 spent)!4Activation 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. Points are earned at account level, not card level. 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% APR5Share 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 7/1/2026. on purchases, balance transfers, and cash advances |
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.
Promotional balance transfer rate of 3.99% is available for existing cardholders and applies to balance transfers within the promotional period; excludes existing balances. Existing cardholders must contact the Credit Union to request promotional convenience checks to transfer balances from their other credit cards to their Visa Power Card™, up to their credit card limit. Promotional convenience checks cannot be used to pay your existing Visa Power Card™ balance or any other UECU loans. The promotional period starts when promotional convenience checks are issued to the cardholder and ends 12 months after issuance date. Following 12 complete monthly UECU credit card statement cycles, any remaining promotional balances will accrue interest at your regular variable or fixed rate identified in your credit card agreement and opening disclosures. APR will not exceed 18%. 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. 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. Maximum loan principal limit of $100,000 when redeeming a VantagePoints™ rate reduction.
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. Points are earned at account level, not card level.
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 7/1/2026.