United Federal Visa Classic

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United Federal Visa Classic A Visa Classic credit card is the basic credit card offered by the United Federal Credit Union. It is the best choice for members that are looking for their first credit card or that do not have a credit score high enough to qualify for a different card. This card has a minimum credit limit of $500. If the cardholder does have a lower credit limit, it will keep them from getting into too much credit card debt.

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Staying on top of debt is the main concern for most people in the United States today. Credit card debt is the main source of debt for most people. There are many financial sites out there that can help you avoid getting into debt or handle the debt you already have. The official government My Money website has excellent information on how to deal with debt.

United Federal Visa Classic Rates and Fees

The annual percentage rate for this credit card is 14.99%. This is the purchase interest rate. The other interest rates for this card are not listed on the United Federal website. The purchase interest rate for this card is determined by adding 11.74% to the current prime rate. No matter how low the prime rate goes, the interest rate for this card will never drop below 10.99%.

There are not many fees listed for this card on the credit union’s website, so there could possibly be more.

The fees that are listed are very high.

Late payments are charged a $25 fee and overdrafts are charged a $30 fee.

More about the United Federal Credit Union

The United Federal Credit Union was founded in 1949 as the Nineteen Hundred Employees Federal Credit Union. Just one year later, the credit union changed the name to the Whirlpool Employees Federal Credit Union. The company saw decent growth throughout the 1950s and had more than $2 million in assets by 1958. Just two decades later the credit union had more than $30 million in assets.

The name was changed again in 1991 to First Resource Federal Credit Union. When the company merged with the Union Federal Credit Union in 2006, they took that name. Today, this credit union has over 100,000 members and more than $1 billion in assets.

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Disclaimer: This content is not provided or commissioned by American Express, Visa, MasterCard, Discover, or any other credit card company or issuer. The opinions expressed here are the author's alone, not those of any credit card company or issuer, and have not been reviewed, approved or otherwise endorsed by any credit card company or issuer. Credit Card Chaser may be compensated through various affiliate programs with advertisers. As always, Credit Card Chaser is an independent website commmitted to helping people research credit card offers and find the best credit card!

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