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
With $0 foreign transaction fees and access to airport lounges around the world, Elite makes every trip exceptional.
Azure cardholders enjoy more reward points and robust protection for everyday purchases with no annual fee.
Earn reward points with every purchase that you can use around the world.
Receive free alerts to notify you of suspicious activity on your card.
Stay protected if your card is lost, stolen, or fraudulently used, online or offline.
Elite |
Azure |
|
---|---|---|
Introductory offer |
Elite |
Azure |
Current rate |
Elite 16.74% APR3 |
Azure 17.74% APR3 |
Annual fee |
Elite $50.00 |
Azure $0.00 |
Global rewards program (with cash back option) |
Elite Up to 3x points4 |
Azure Up to 3x points4 |
Foreign transaction fees from Visa® (for purchases in non-USD currency or outside the US)5 |
Elite $0.00 |
Azure 1.00% |
Airport lounge access (enrollment required) |
Elite Five free visits annually to any participating lounge, with the option to purchase more |
Azure — |
Visa price protection6 |
Elite — |
Azure |
Visa return protection7 |
Elite — |
Azure |
Visa cell phone protection8 |
Elite — |
Azure |
Elite |
Azure |
|
Elite |
Azure |
|
Visa travel accident insurance |
Elite Up to $500,000 |
Azure — |
Visa trip cancellation/interruption insurance |
Elite Up to $5,000 |
Azure — |
Visa lost luggage reimbursement |
Elite Up to $3,000 |
Azure — |
Visa travel & emergency assistance: Medical referral assistance, emergency translation, and lost luggage locator |
Elite |
Azure |
Visa auto rental collision damage waiver |
Elite |
Azure |
Visa pre-trip assistance: Information about health precautions, immunizations, and required travel visas |
Elite |
Azure |
Visa extended warranty protection |
Elite |
Azure |
Visa personal identity theft protection: Support to help cover expenses if your identity is stolen |
Elite |
Azure |
Visa Zero Liability coverage2 |
Elite |
Azure |
Visa Purchase Security: Have purchases replaced, repaired, or reimbursed due to events such as fire or theft |
Elite |
Azure |
Credit limit |
Elite Up to $50,0009 |
Azure Up to $50,0009 |
ATM withdrawals |
Elite Up to $1,000 per day |
Azure Up to $1,000 per day |
Identity theft protection with NortonLifeLock™ |
Elite |
Azure |
Digital wallet compatibility |
Elite Apple Pay®, Google Pay™, and Samsung Pay10 |
Azure Apple Pay®, Google Pay™, and Samsung Pay10 |
Elite |
Azure |
Debit cards and credit cards each offer their own benefits. When you pay with a debit card, you spend cash from your checking or savings account. When you pay with a credit card, you borrow money.
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.
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).
Points expire 36 months after they were earned. The expiration dates of your points are posted on Digital Banking and on your monthly statement.
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.
Disclosures
* 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.