The ideal credit card option includes the right rate, and much more.

The UMCU Visa® Platinum Optimum features one of the lowest rates available, which translates into savings on purchases and balance transfers from cards with higher interest rates. That same great rate also means lower monthly payments when you make this Visa® your go-to card for everyday purchases from merchants in Michigan and elsewhere.

  • Rates as low as 8.99% APR
  • No annual fee
  • No application fee
  • $1,000 minimum credit limit
  • Overdraft protection option
  • EMV chip technology for maximum security
  • Free balance transfers and cash advances
  • 27-day grace period for purchases


If you're in the market for buying or leasing a new or used car. UMCU is your key to a low rate auto loan.