Apply for a loan or credit card
- Sign in to Digital Banking.
- Under Account Services, select Apply for a Loan or Credit Card.
Discover the worldwide benefits UNFCU members enjoy
We use cookies on our website to enhance your online experience and to analyze visitors’ navigation patterns. For more information about our use of cookies, please read our Privacy Policy. To acknowledge our use of cookies, simply continue browsing or click Acknowledge.
More points, protection, and value for your everyday purchases
Earn up to 5x points: Make digital wallet purchases using your Elite or Azure card in August and earn up to 1,500 extra points.*
Azure opens up new possibilities with this introductory offer.
At the market or at home streaming your favorite film, earn points you can redeem for cash, flights, or hotel stays.
Stay protected if someone uses your card fraudulently.
Have eligible purchases replaced or reimbursed if damaged or stolen.
Enroll to stay informed about potential threats to your identity.
Get reimbursed for covered expenses if your identity is stolen.
Included with Azure |
|
---|---|
Introductory offer |
Included with Azure |
Current rate |
Included with Azure 17.99% APR1 |
Annual fee |
Included with Azure $0.00 |
Global rewards program (with cash back option) |
Included with Azure Up to 5x points* |
Foreign transaction fees from Visa® |
Included with Azure 1.00% |
Visa price protection5 |
Included with Azure |
Visa return protection6 |
Included with Azure |
Visa cell phone protection7 |
Included with Azure |
Visa Zero Liability coverage9 |
Included with Azure |
Included with Azure |
|
Included with Azure |
|
Visa travel & emergency assistance: |
Included with Azure |
Visa auto rental collision damage waiver |
Included with Azure |
Visa pre-trip assistance: |
Included with Azure |
Visa extended warranty protection |
Included with Azure |
Visa personal identity theft protection: |
Included with Azure |
Visa Purchase Security: |
Included with Azure |
ATM withdrawals |
Included with Azure Up to $1,000 per day |
Credit limit |
Included with Azure Up to $50,000 per day11 |
Identity theft protection with NortonLifeLock™ |
Included with Azure |
Digital wallet compatibility |
Included with Azure Apple Pay®, Google Pay™, and Samsung Pay12 |
Included with Azure |
Check the status of your application at any time using Digital Banking.
Contactless cards use short-range proximity technology to complete payments between the card and a contactless terminal. Just tap your contactless card at the payment terminal. There is no need to insert or swipe your card.
Interest is applied to the average balance amount charged to your credit card each day of the billing cycle. This is called the average daily method.
Points expire 36 months after they were earned. The expiration dates of your points are posted on Digital Banking and on your monthly statement.
You can have up to three authorized users and you can add anyone as an authorized user. Authorized users can use the card but are not responsible for balances on the credit card account. For this reason, it is important that you are careful about who you add to your card.
Elite cardholders do not pay foreign transaction fees. Azure cardholders pay foreign transaction fees according to our schedule of rates and fees (PDF).
Compare UNFCU credit cards, both with features to make all your shopping more secure.
For unsecured loans, eligibility is dependent on a number of factors. These can include, but are not limited to, the member’s:
Members who joined UNFCU via UNA-USA or KI USA must be a member for at least 12 months to qualify for an unsecured loan.
Learn more about loan eligibility.
Make digital wallet purchases using your Elite or Azure card and earn up to 1,500 extra points.*
Elite | Azure | |
---|---|---|
5x points | For every restaurant meal | For restaurants, online food deliveries, and groceries1 |
4x points | For groceries and online food delivery1 | For streaming services and transit2 |
3x points | For every $1.00 spent on everything else | For every $1.00 spent on everything else |
Disclosures
* From 1 August through 31 August 2024, every $1.00 of digital wallet purchases made using your UNFCU Elite or Azure card earns standard reward points plus two additional reward points. For example, Elite and Azure cardholders usually earn 3x the points for restaurant purchases. In August 2024, Elite and Azure cardholders using digital wallet for restaurant purchases will earn 5x the points. Members can earn up to 1,500 points as part of this limited-time offer, which equals $15.00. Once members reach 1,500 points, they will earn the standard reward points offered for every $1.00 spent using the Elite or Azure card. Earned reward points will appear on your credit card statement by September 2024.
Disclosures
* From 1 August through 31 August 2024, every $1.00 of digital wallet purchases made using your UNFCU Elite or Azure card earns standard reward points plus two additional reward points. For example, Elite and Azure cardholders usually earn 3x the points for restaurant purchases. In August 2024, Elite and Azure cardholders using digital wallet for restaurant purchases will earn 5x the points. Members can earn up to 1,500 points as part of this limited-time offer, which equals $15.00. Once members reach 1,500 points, they will earn the standard reward points offered for every $1.00 spent using the Elite or Azure card. Earned reward points will appear on your credit card statement by September 2024.
‡ Your credit card is not linked to your accounts. When you use your credit card, you borrow the money to pay for your purchase. There is a maximum amount you can owe on your credit card at any one time. This maximum is your credit limit. Each month, you need to make a minimum payment by a due date. You may repay the amount you borrowed in full. You may also choose to pay less than the full amount. You will pay interest on any amount you still owe after the due date. Every credit card payment you make replenishes your available credit by the amount of the payment.