Credit Cards

Get financing here in the Hudson Valley! For Your Information

BORROW LOCALLY WITH A LOW RATE CREDIT CARD FROM ULSTER FCU!

Why pay higher interest rates on your other credit cards when you can pay a low, fixed rate on an Ulster FCU Visa^® Credit Card? Other credit card's rates can sometimes increase to 20%+ after the introductory period, resulting in higher interest charges. Here at Ulster FCU, your low rate remains the same!

Our cards are great for members just getting started with credit, or for members with existing credit. By using your credit card, you receive ScoreCard Reward points that can be redeemed for various things such as cashback statement credit, merchandise, travel, and more!

Our credit cards can be used via Mobile Wallets such as Apple, Google, and Samsung Pay.

You can also monitor and control your card through the SecuLock App. For more information, click here.

CREDIT CARD PERKS!

Fixed rate of 11.95% or 10.95% APR for qualified borrowers
11.95% or 10.95% APR on all purchases, and balance for the LIFE of the balance
ScoreCard Rewards Program with great statement options!
No fees on balance transfers!

*APR= Annual Percentage Rate. Verification of income and other supporting documentation may be required to complete the processing of an application. Certain restricitions apply such as income requirements, debt to income and length of employment.

Classic Platinum Visa^®

Our Classic Platinum card is great for members just getting started with credit or for members who don’t want a large credit line.

Minimum credit line of $500
Maximum credit line of $20,000, depending upon salary and credit rating
11.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

Platinum Visa^®

The Platinum card is for those members who want a higher credit line.

Minimum credit line of $5000
Maximum credit line of $20,000, depending upon salary and credit rating
$25,000 annual salary required
10.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

Secured Visa^®

For members looking to establish credit or rebuild poor credit, we offer a secured credit card. The credit line is secured with funds in a credit union share account or share certificate.

The credit limit is secured by 150% of the limit granted. For example, a $250 credit limit card would be secured by a share account with $375.

Minimum credit line of $500
Maximum credit line is dependent upon salary and total amount of funds secured
11.95% APR, including balance transfers
13.92% APR for cash advances

Apply Now Questions?

Verified by Visa^®

Verified by Visa^® adds an extra layer of security in the unfortunate event that your Visa card or account number is lost or stolen. Enrollment is quick and easy!