Credit Cards
UCU's credit cards make shopping, traveling and buying the things you want more convenient and more rewarding. With low rates and no annual fees, these cards make you a smarter shopper and provide superior benefits and straightforward, honest value. Contact a UCU consumer loan originator by email or 800 696 8628 for more information.
Introductory Offer
Open a new UCU Credit Card and get 3.99% intro APR* for the first 12 months on purchases!
(After introductory rate: 12.24%-21.24% variable APR*)
Platinum Rewards
- Earn cash back with up to 5 points for every net dollar spent**
- Rates as low as 14.24% APR*
University of Maine Alumni Association Platinum Rewards
- Give back to UMAA simply by having and using your card!
- Earn cash back with up to 5 points for every net dollar spent**
- Learn More about Supporting UMAA with this Card!
University of Southern Maine Platinum Rewards
- Give back to USM simply by having and using your card!
- Earn cash back with up to 5 points for every net dollar spent**
- Rates as low as 14.24% APR*
- Learn more about supporting USM with this card!
No Fee Balance Transfers
Transferring the balances of your higher rate credit cards, including store credit cards, to a lower rate UCU credit card can save you money and help simplify your payments for easy to manage banking. Plus, there's no fee to transfer credit card balances at UCU.*
- No fee to transfer balances*
- Swap a higher rate for the low rate of a UCU credit card*
- Simplify your payments into one credit card that's easy to manage
Start a Balance Transfer
Use the buttons below to get started with a credit card balance transfer:
If you don't currently have a UCU credit card, click New Card to apply.
If you currently have an existing UCU card, click Existing UCU Card and follow the instructions.
*APR=Annual Percentage Rate. Rates effective 02/01/2025. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 12.24% to 19.24% for the Platinum Card, from 14.24% to 21.24% for the Platinum Rewards Card. The introductory APR for purchases is 3.99% for 12 months. The introductory APR for purchases will apply to transactions posted to your account during the first 12 months following the opening of your account. After that, the APR will revert to your standard APR for purchases which will vary with the market based on the Prime Rate and your credit worthiness. Cash advances made with this card are subject to a fee of $10 or 3% of the amount of each cash advance, whichever is greater. Foreign transactions are subject to a fee of 1% of each transaction in U.S. dollars. Membership eligibility applies.
Credit Card Disclosures | Credit Card Agreement
**Rewards points: Earn 5 points for every dollar spent with Streaming and Gaming Subscriptions, Earn 2 points for every dollar spent on Gas purchases, Earn 2 points for every dollar spent on Dining, such as restaurants, carryout, delivery, Earn 1.5 point for every dollar spent for all other purchases. Learn more on our rewards webpage.
