Turn plastic into gold!*

Earn rewards on every single puchase with the UMe Visa® Credit Card.

Rates as low as

Apply now!

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Fixed rate + low or no fees

Look around, this rate is hard to beat. And did we mention it’s fixed! Plus, no application fees, annual fees, cash advance fees, or balance transfer fees.

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Earn rewards

Earn rewards on ALL purchases, which can be redeemed for cash back, travel reservations, and much more! You’ll earn one point for every dollar spent on credit transactions!

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Enjoy new awesome features

Including a contactless payment option and personalized info on the back of the card, for a clean look and an added layer of security.

The Details

Not all credit cards are created equal. As a matter of fact, we just so happen to think that our Visa Credit Card is one of the best around. After all, we don’t charge an annual fee and there’s never a cash advance fee.

You can transfer balances from other credit cards without any fees, and we offer credit limits up to $25,000 upon approved credit, which means it can work great as a debt consolidation tool.

Rates as low as 12.90% fixed APR*
Look around, this rate is hard to beat. And did we mention it’s fixed!

Earn Rewards on qualifying purchases
You’ll earn one point for every dollar spent on credit transactions!

No cash advance fees
Need cash? No fee surprises. Nada. Nothing. Zip.

Same fixed rate for purchases and cash advances

No annual or application fees

No balance transfer fees

Low foreign transaction fees
We only pass through Visa’s conversion charges of up to 1% of purchases.

Visa Platinum Credit Card



*APR is based on an evaluation of your creditworthiness.


Fixed rate



Ready to apply?

Apply by phone

You can apply 24 hours a day:

(818) 238-2900 x1

Apply online
Get started

A little bit about us

We know you’ll be happy banking with UMe. For one, we think taking care of your day-to-day finances shouldn’t cost an arm and a leg. That’s why we offer lower rates, better earnings and free or discounted financial services. And we’ve been doing this for over 80 years!

As a member-owned credit union, our attention is focused squarely on meeting the financial needs of our members. As a matter of fact, everything we do is designed to keep costs down and pass the savings on to you.

Now that you know a little about who we are, become a member and see for yourself.

Join UMe today!
Emu mascot


*Not real gold, figurative gold – but you knew that.

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

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