MasterCard Promotion

6.99% Special Promotion* Special Rate Applies for the Life of the Transaction!
Starting September 1, 2017 - February 28, 2018. All Purchases, All Balance Transfers, All Cash Advances. *Annual Percentage Rate.

Automobile Loans

Let us put you in the drivers seat...
We offer financing on a wide range of new and used cars, trucks and SUVs Get financed with little or no down payment. Rates as low as 1.49% Annual Percentage Rate. Apply online today!

Business Services

University Credit Union is here to help our local businesses!
Come speak to one of our loan specialist to assist your growing business with a new Automobile, Line of Credit or Business MasterCard from your University Credit Union

Home Equity Loans

Looking for a Great Rate on a new Home Equity Line of Credit Loan?
Rates are at an all time low! Now is the time to take advantage and fix the house up or pay down some high rate credit card bills. Come in and see what a Home Equity Line of Credit can do for you!!

Monthly Videos

Our Partners


         Car Finder Service                    Home Mortgages              Insurance Verification



    Auto and Life Insurance


Rewards MasterCard   

You asked and we listened!  You, our valued members, can now earn rewards using Your University Credit Union Rewards MasterCard!

  • Earn 2,500 bonus points when you charge $1,000 in the first three months after opening your new account. 

  • Get DOUBLE POINTS for ALL grocery, gas and pharmacy purchases. 

  • Click on  to learn more about all that you can redeem your rewards points for.

  • Special 3.99% introductory rate for 6 months from the date your account is opened.  At the end of the promotional period, balances return to the normal card rate.

  • Receive a great variable rate from 10.99% APR* based on your creditworthiness. 

  • No fees for Cash Advance or Balance Transfer.

  • Access to our 24 hour member service online and by phone. 

  • Apply online at, visit your branch or call 786.425.5000.  

  • Spend your points on Travel, Gift Cards, Shopping or CASH BACK.  It's your CHOICE!  Visit the  Frequently Asked Questions for more details.

    *APR = Annual Percentage Rate. Certain Credit Restrictions Apply.


    Apply Today!

    MasterCard Online Application



MasterCard Benefits

  • New EMV Chip Card Enabled: Every new University Credit Union MasterCard will be EMV ready!  To learn more about EMV click here on EMV Card Information to see how secure your new University Credit Union MasterCard will be.
  • Cash advance: You can get a cash advance with your MasterCard at any University Credit Union branch or at any financial institution displaying the MasterCard logo, with no cash advance fee. Interest accrues from date of advance.
  • Travel Accident Insurance: You get up to $250,000.00 of free coverage when you purchase your ticket on a major carrier using your University Credit Union MasterCard.
  • Worldwide acceptance and ATM access. Transfer balances from other high interest credit cards with no transfer fees.


Pricing Disclosures: Introductory rate of 3.99% for 18 months from date of account opening on purchases and an introductory rate of 3.99% for 18 months from date of first transfer for balance transfers. Balance transfers must be completed within 4 months of account opening. After the introductory period ends, the standard purchase APR will be applied to unpaid promotional balances, new purchases and new balance transfers. The standard variable APR for purchases is 10.99% to 17.99%, based on your creditworthiness. Minimum interest charge – $0.50. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Subject to credit approval. Additional limitations, terms and conditions apply.


Online Convenience

You can pay your University Credit Union MasterCard online via e*branch. And it's not just payments - you can also check your:

  • Account Balance
  • Available Credit
  • Payment Due Date
  • Credit Limits
  • Detailed list of transactions
  • Electronic Statements
  • ...and much more!

Did You Know?

"…you can check your balances or transfer money via the telephone by calling our Automated Account Phone at 786-425-5050." 




2017 is Your University Credit Union's 70th Anniversary!