Membership is open to PA residents through PACC.Join Today!

Get Ready for Holiday Double Points  

Sign up2 to get Double Points beginning October 23, 2023. Earn Double VantagePoints™ with your Advantages Visa® Debit Card™ and Visa Power Card™, November 10 – December 31, 2023.

Use your Visa cards to pay for your gas, groceries, gifts, and everyday purchases and earn double the rewards!

Credit Card Purchases Earn 2 Points for Every $1 Spent.1
Debit Card Purchases Earn 1 Point for Every $1 Spent.1

Visit for details and opt-in instructions.

Savvy Saver Holiday Shopping

Make a holiday budget and a payback plan – To start, make a list of the people you need to shop for this year – don’t forget family, friends, teachers, neighbors, and co-workers. Decide how much you can afford to spend on each person. If you’ll be using a credit card to do some of your shopping, factor in how much you’ll need to pay back after the holidays. If you can’t afford to pay the balance off in full, calculate how much you will need to pay each month to get your holiday purchases paid off. The faster you can pay down your credit card charges, the less interest you’ll pay.

Privacy Notice

Federal law requires us to tell you how we collect, share, and protect your personal information. Our privacy policy has not changed, and you may review our policy and practices with respect to your personal information, or we will mail you a free copy upon request if you call us at 800.288.6423.

Cybersecurity Awareness 

As your trusted financial partner, we’re dedicated to protecting your account and personal information, but we need your help. Listen to our newest podcast episode to become a stronger “human firewall.” For more tips, visit the Fraud Prevention Resource Center at

Coming Soon

New Visa® Card Benefits

Congratulations! Your UECU Visa® Credit and Debit Card benefits are getting even better. We reviewed our card benefits and made some enhancements to offer you a broader range of benefits and more identity theft protection. The card benefits for the Advantages Visa Debit Card™, Visa Power Card®, Share Secured Visa Power Card™, Flex HELOC Visa Card, and Home Equity Visa Platinum Card will change on January 1, 2024. Best of all, you don’t need to do a thing – just get ready to enjoy your new card benefits. Visa cardholders will receive a notice from UECU in October with details about the new card benefits.

Youth CD & First-Time Loans  

At UECU, we believe that financial well-being begins with a solid foundation, so we’re expanding our savings and loan options for youth. With a new Youth CD and borrowing options for their first credit card and auto loan, they’ll have what they need to succeed. Check the UECU website in early 2024 for details.

Update Your Email Address

Don’t miss out on important email notices from UECU.
Please take some time to review your contact information in your account profile in Mobile and Online Banking and update outdated information. To get started, log into your account with Mobile or Online Banking and go to your account profile. Please Note: If you have multiple UECU accounts, you’ll need to switch into each account to update your contact information in your account profile.

Start Your Journey to Financial Security

As a UECU member, you have access to a full array of investment and insurance options with Utilities Employees Investment Services (UEIS) and Cetera Investment Services LLC. The UEIS team can help with investment analysis, risk management planning, retirement planning, estate planning, college savings plans, 401K rollovers, insurance, and more.3

Easily Update Payments for Your Streaming Services and Subscriptions with CardSwap.

CardSwap lets you update all of your favorite digital services, like Netflix, Amazon, iTunes, Uber, and dozens of others4 – at the same time, in the same place – saving you time and hassle. This makes it easier to replace lost cards, or to open and use new accounts. Just log in, update your payment info, and provide login info for your service providers, and CardSwap does the rest.

With our automated direct deposit switching, you can be sure you’re getting paid how you want, when you want, where you want. Use ClickSWITCH to digitally switch your direct deposits to UECU – no more filling out employers’ forms.

To get started, log into your account with Mobile or Online Banking and select ClickSWITCH or CardSwap from the menu.

Easily Refinance and Consolidate into One Manageable Loan!

Refinance with UECU and consolidate all your private and federal student loans (including plus loans) into one manageable loan, potentially lowering your monthly payment and reducing your interest rate5 in the process.


On October 1, 2023, UECU’s Home Equity Lines of Credit, Personal Lines of Credit, and Share Secured Visa® Credit Cards switched from a quarterly to a monthly rate adjustment. This change will help members take advantage of lower interest rates sooner should UECU reduce loan rates.


Search top brands and get discounted, upfront pricing.


Love it? Lock it in. Get an upfront price online, including incentives and discounts.


Select the right loan amount for you and apply in minutes.

Member Feedback

Coming soon! UECU will be reaching out via email from time to time to obtain your feedback regarding your experience and satisfaction. Your feedback is greatly appreciated.


Courtney Perez, Business Relationship Manager

American Enterprise Beaufort, LLC
The Electrical Association of Philadelphia
Virginia, Maryland, and Delaware Association of Electrical Cooperatives
North American Lineman Training Center
Townsend Corporation

You and your family are now eligible to join UECU and take advantage of your credit union benefits. Students can also apply for a trade school loan through UECU’s Student Choice loan program to finance their education and training programs. For more information, contact your UECU National Account Representative.

1 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. Cardholders who’ve gone paperless by opting out of paper statements for their Member Statements earn 1 point for every $1 spent on debit card transactions during the promotional period; cardholders who receive Member Statements via paper delivery earn 1 point for every $2 spent. DOUBLE POINTS for the purpose of this promotion cannot be combined with DOUBLE POINTS earned on the first 30 days after receipt of your new card. Members will earn DOUBLE POINTS from 11/10/2023 until 12/31/2023, but this promotion can be terminated at any time. Visit for complete VantagePoints™ program details.
2 Must sign up to earn DOUBLE POINTS during the promotional period. Members may sign up beginning 10/23/2023 by logging into their UECU account with Mobile or Online Banking to opt-in to the promotion, by calling UECU’s Member Service Representatives during business hours at 800.288.6423, or by completing a sign-up form provided by UECU for this promotion to members via email.
3 Securities and insurance services offered through Registered Representatives of Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services offered through Cetera Investment Advisers LLC. Cetera is under separate ownership from any other named entity. Investment Products are: not NCUSIF insured, not financial institution guaranteed, may lose value, not a deposit, not insured by any federal government agency.
4 None of the listed companies are associated with, sponsor, or endorse this product.
5 Federal student loans may qualify for payment and interest rate benefits that private student loans do not. Carefully consider your options before refinancing federal student loans, as they will no longer qualify for current and future federal benefits once refinanced with a private lender. For more information, visit or contact your federal student loan servicer. All loans subject to credit qualification and additional criteria, including graduating from an approved school.
6 UECU’s lowest auto loan rate of 4.49% APR is based upon an evaluation of creditworthiness criteria, maintaining an active Rewards Checking or Rewards Checking PLUS Account (at least one transaction per month), and purchasing a vehicle through a Certified TrueCar Dealer. Rate quoted for a 36-month term; your actual rate may differ. Limited time offer. Offer is subject to change without notice. Rate quoted is for new loans only; refinancing of existing UECU auto loans are not eligible. Certain auto model year and term restrictions apply. Discount valid thru December 31, 2023.