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Rates effective as of September 1, 2021

Visa Platinum Credit Card Interest Rate | UMe Credit Union

Here at UMe Credit Union, we know there are better ways to spend your money than on hefty credit card interest fees (like staycation supplies, a Hulu subscription, pizza delivery, we could go on but we’ll spare you) and that’s why we keep interest rates low and fees even lower.

Terms  APR* 
Fixed rate  9.90 - 17.90%

*APR = Annual Percentage Rate. Your rate will be based upon an evaluation of your credit worthiness.

calculate your credit card interest rate


Visa Platinum Credit Card Fees

If you want low fees, here is where you want to be. Check out all those awesome zeros below. And the fees that we might have to charge are totally avoidable! 

Annual Fee $0
Transaction Fees
Balance Transfer Fee $0
Cash Advance Fee $0
Foreign Transaction Fee $0 from UMe (Visa charges an up-to-1% fee)
Penalty Fees
Late Payment Fee $25
Over-the-Credit-Limit Fee $0
Returned Payment Fee $25

Interest rates and interest charges

We definitely want to keep your interest rates low and those interest charges to a minimum —  whether it’s a purchase, balance transfer, or cash advance. Here’s the APR you should expect when using your Visa Platinum Credit Card.
Annual Percentage Rate (APR) for Purchases 9.90% - 17.90% APR is based on an evaluation of your creditworthiness and is fixed for the renewal period, which is 2 years.
APR for Balance Transfers 9.90%-17.90% APR is based on an evaluation of your creditworthiness and is fixed for the renewal period, which is 2 years.
APR for Cash Advances 9.90% - 17.90% APR is based on an evaluation of your creditworthiness and is fixed for the renewal period, which is 2 years.
Penalty APR and When It Applies None
Paying Interest Your due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website at

calculate your credit card interest rate


Visa® Platinum Credit Card FAQs

It’s the hottest card around! Do you have questions about the UMe Visa Platinum Card? We have the answers.

Can anyone apply for the Visa® Platinum Card?

Pretty much, as long as you’re a member of UMe, of course! The good news is it’s pretty easy to become a member – just follow these requirements, and you’re good to go. You’ll also need the usual identification stuff – such as your driver’s license, so we can make sure you are who you say you are. 

What kind of fees are there?

Ready for this one? There’s no application fee. There are no cash advance fees. There are no balance transfer fees. There are no annual fees. And to top it off, the UMe Visa Platinum Card has a FIXED interest rate that is as low as 9.90% APR*. That’s pretty good, right? We think so too.

What happens if someone uses my Visa card without my permission?

Don’t worry, we’ve got you covered. Visa's Zero Liability Policy is a guarantee that you won't be held responsible for unauthorized charges made with your Visa card or account information. That means you’re protected if your UMe Visa credit or debit card is lost, stolen or fraudulently used, online or offline. Just give us a call as soon as you are aware of any suspicious activity so we can get started finding a resolution for you.

I want to transfer my high-interest rate credit card balance. What’s the best offer out there?

It’s right here! With the Visa Platinum Credit Card from UMe, you’re paying nothing to make that transfer. There are no balance transfer fees. Not even a percentage of the balance, like all those other guys. And, we offer fixed rates as low as 9.90% APR*. That means you have no excuse to keep paying those high costs any longer.

How long will it take me to get the card?

You could wait for us to mail it. OR… you can stop by our UMe branch and we’ll instant issue it for you, right on the spot. You can go home with your new plastic in hand – today! 

What’s the best rate available on the Visa® Platinum Card?

We have good news for you! Well-qualified applications can score a fixed, low-interest rate of just 9.90% APR*. That’s super low and super attractive.

How do I earn Visa Rewards points?

You earn one point for every dollar you spend. Plus, when you spend at least $1,000 in the first 90 days of getting your card, you get 10,000 bonus points! Yes, we’re rewarding you like you spent $10,000! (Bonus Points offer good for new cards only, one per account)

How do I redeem my Visa Rewards? 

We like to make things easy for you (have you noticed?) which is why there are three options: 1) Sign in to UMe online banking. 2) Sign in to our UMe app. 3) Call 888-347-0863 day or night. You’ll be redeeming your points in no time at all! 

Do you have another question that we didn’t answer here? Check out our Credit Card FAQ page for more money-smart questions.

Start Saving & Spending With The UMe Visa® Platinum Today!

Now that you have all the answers to your burning credit card FAQs, what are you waiting for? 

Start spending (and saving!) with UMe Credit Union’s Visa Platinum credit card today. 

*APR is based on an evaluation of your creditworthiness.

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