Credit Card

United Energy Credit Union offers the convenience of MasterCard with one low rate regardless of credit score. MasterCard offers worldwide acceptance, ATM accessibility and cash advances along with many other benefits. The UECU MasterCard gives you the power to make purchases without having to carry around cash or a checkbook. It can even protect you from fraud when making online purchases. Best of all, you can use it anywhere in the world MasterCard® is accepted.

In addition, our card has the following benefits:

  • No Annual Fee

  • 12% APR* – regardless of  Credit Score

  • No Over-the-Limit fees

  • No Transaction Fees for Cash Advances

  • No Fee for Balance Transfers

  • Non-Variable rate – we don’t jack up your rate if you are late

  • No Hidden fees

First Time Borrower’s Program

United Energy Credit Union believes it’s important to help our members get off on the right foot from the very start. With a first-time credit card and on-time payments, you will be on your way to establishing a strong credit history. Members who meet the requirements will be eligible to get a MasterCard with a limit up to $1,000.   


  • Must be at least 18 years old

  • First time borrower

  • Active UECU checking account with direct deposit for at least 6 months

  • Submit last 2 Paystubs

  • Debt to Income Ratio not to exceed 40%