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.

UCU's credit cards smart chip and tap-to-pay technology! There is no annual fee, no balance transfer fee when using your UCU credit card.
And even better, for new card holders there is 3.99% APR* intro rate for first 12 months on purchases!

Platinum Rewards

UCU Platinum Rewards Credit Card

The Rewards are a fun little extra!

Transfer balances

Earn Rewards!

University of Maine Alumni Association Platinum Rewards

UCU UMaine Alumni Platinum Rewards Credit Card


Support the Alumni Association

Where Black Bears Bank

University of Southern Maine Platinum Rewards

UCU University of Southern Maine Platinum Rewards Credit Card

Give back to USM

Where Huskies Bank

Go Huskies!


  • Our lowest credit card rate
  • Rates as low as 13.24% APR*
Platinum Credit Card

Great low rate!

Platinum benefits

The only card you'll need!

*APR=Annual Percentage Rate. Rates effective 10/1/23. Standard APRs for purchases, balance transfers and cash advances will vary based on Prime Rate and credit worthiness and range from 13.24% to 20.24% for the Platinum Card, from 15.24% to 22.24% 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.