Credit Cards

Visa® Credit Cards

Compare our rates to the competition 

UFCU Visa® Gold Card
Enjoy our lowest APR*

Our Visa Gold Card offers LOW interest rates with no surprises. An ideal option for debt consolidation with the following features:

  • Rates as low as 7.75% APR* on Purchases and Cash Advances
  • Balance Transfer Offer 3.25% APR* for 12 billing cycles, after this a low rate 7.75% APR*
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Foreign Transaction Fee
  • Free Credit Score thru Online Banking
     

UFCU Visa® Platinum Rewards Card
Get rewarded for being financially healthy

Our Visa® Platinum Rewards Card offers these valuable benefits for greater purchasing power:

  • Rates as low as 9.75% APR* on Purchases and Cash Advances
  • Balance Transfer Offer  3.25% APR* for 12 billing cycles, after this a low rate of 9.75%
  • No Annual Fee
  • No Balance Transfer Fee
  • No Cash Advance Fee
  • No Foreign Transaction Fee
  • Earn 1 point for every $1 you spend
  • Earn 2x, 3x, 4x EXTRA points from participating retailers for purchases made online or in stores
  • Airline rewards for worldwide destinations
  • Hotel, car, cruise and vacation rewards
  • Redeem REWARDS points for travel, merchandise or gift cards
  • Points never expire as long as your card is active and in good standing
  • Free Credit Score thru Online Banking
     

Credit limit increase request

Complete a credit card application below to request a credit card credit increase.  A representative will contact you within two business days. 


To make this process easier you will want to have the following available for
Applicant and Co-Applicant (if applicable):

–  A U.S. Social Security Number
–  Proof of identity (Driver’s License, Passports are accepted)
–  A copy of most recent pay stub
   

applyNow

 

 

If you are not currently a credit union member, be sure to complete our membership application.  Your personal information is safe and secure with Unilever Federal Credit Union. 


Have Questions? Contact Us

John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.


Your personal information is safe and secure with Unilever Federal Credit Union

For more information, please see our credit card agreement.

 


* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit  limits over $10,000 require a minimum 760 FICO credit score.

UFCU Visa® Gold
**3.25% Introductory APR applies to the first 12 billing cycles.  After that, your APR will be 7
.75% to 13.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.
  

UFCU Visa® Platinum Rewards
**3.25% Introductory APR applies to the first 12 billing cycles.  After that, your APR will be 9.75% to 14.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.   

Balance Transfer

 
Paying off high interest rate credit cards with your UFCU Visa® Card is a simple way to consolidate your debt into one manageable payment.  Before requesting a balance transfer, please ensure you have an existing UFCU Visa® Card with enough available credit to accommodate these transfers.

What types of account can you transfer?

  • Credit cards, store cards
  • Personal loans, auto loans
  • Student loans

  •  

Balance Transfers always Active
As long as you don’t go over your card credit limit, you can keep transferring balances at our promotional rate offer.

  • You may transfer up to your available limit on your UFCU Visa® credit card
  • We do not charge a fee for either balance transfers or cash advances
  • We will process your request within 2-4 business days
  • Both cards, Visa® Gold or Platinum Rewards provide our current balance transfer offer


Here’s what you’ll need for a balance transfer

  • Copy of most recent statement (please provide a PDF version statement)
  • Provide the full credit card number
  • Amount to be transfer


Once you have the above contact us via email to start the process:


angelica.calderon@unilever.com

John.holtzhauer@unilever.com

 


Balance transfers may not exceed your Visa credit limit.

Please note that it may take up to 2 weeks for your creditor to apply payment. Please continue making payments until your transfer is complete and reflected on your creditors statement.

Checks will be issued directly to the creditor(s). The credit union is not responsible for payments which are late or lost in the mail.

Click here for current rates and balance trasnfer offer

 

ScoreCard Rewards

Earn Rewards Points With Your UFCU Visa® Platinum Rewards Card!SC-SM-Skyscraper-160x600-2013

Did you know that each time you use your UFCU Visa® Platinum Card for purchases you earn ScoreCard Rewards Points? Every card is automatically enrolled in the program, so you don’t have to wait to start earning points.

ScoreCard Rewards offer a great selection of brand-name merchandise and travel options. To find out what awards are available, visit the Travel and Merchandise sections of the ScoreCard Rewards website www.ScoreCardRewards.com


Check current points/Redeem your points
Maximize your rewards

Cashing in on ScoreCard Rewards is simple!
Visit www.ScoreCardRewards.com to create your profile. Once your profile is created, you can view your reward balance, search and view all available redemption options, and redeem your points for rewards!

Be sure to use your cards for all of your everyday purchases and then watch your points add up quickly!

Speak with a ScoreCardRewards representative about the program 1-800-854-0790


Travel Rewards

To make reservations or cancel through ScoreCard Rewards call the Travel Department 1-800-842-3006


Earn Faster

Consider using your card on these everyday purchases to earn even more points:

 Expenses  Monthly Points and $ Annual Points 
 Groceries  $600  7200
 Dining/Entertaiment  $300 3600 
 Utilities  $300  3600
 Phone/Internet  $300 3600
 Gas  $200 2400
 Auto Insurance  $200 2400
 Total Annual Points    22,800

 

*Rewards availability is determined by ScoreCard® program providers. Visit www.ScoreCardRewards.com for current merchandise and travel rewards. ScoreCard Purchase Rewards are governed by the terms of your agreements and may have certain limitations.

 

Youth Credit Cards

Help your teen begin to build solid credit history and learn the importance of financial responsibility.  With a smaller credit limit, your teen will learn the fundamentals of having and using a credit card. With credit line limits of $500-$2,000 the UFCU Visa Youth card will provide your teen the opportunity to build solid credit history.


Features

  • Low rates
  • Credit limit from $500 to $2,000
  • All the same great features and benefits that come with The UFCU Visa® Gold or Platinum Rewards Card
  • Complimentary access to free credit score thru Online Banking


    UFCU College Visa®
    Ideal for students looking to build their credit

UFCU is committed to providing our student members with the necessary tools to build a strong financial future. With an UFCU College Visa® Card you can earn great perks and rewards while also establishing a credit history, which will be helpful down the road.

Features

  • Low rates
  • Credit limit from $500 to $2,000
  • Access to credit for international students (no foreign transacitons fees)
  • All the same great features and benefits that come with The UFCU Visa® Gold or Platinum Rewards Card
  • Complimentary access to free credit score thru Online Banking
  •  

Card Requirements

  • Must be 18 years of age
  • A co-borrower is required (parent. Guardian)

Important: Credit Card payments and limits will report to the credit bureaus for both individuals (youth and parent/guardian).

If the parent/guardian wishes to be removed from the card once their youth is independent, the youth will need to submit a new credit card application to complete this process. 

 


  • To make this process easier you will want to have the following available for
    Applicant and Co-Applicant (if applicable):

    • A U.S. Social Security Number
    • Proof of identity (Driver’s License, Passports are accepted)
    • A copy of most recent pay stub 

     

 

applyNow 

 

 

If you are not currently a credit union member, be sure to complete our membership application.


Have Questions? Contact Us

John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

Your personal information is safe and secure with Unilever Federal Credit Union

For more information, please see our credit card agreement

 



* The ANNUAL PERCENTAGE RATE (APR) is subject to change monthly on the first day of the billing cycle to reflect any change in the Index.  It will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on the first business day of each month to which we add a margin. The APR will never be greater than 18.00%. Any increase in the APR will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Your credit limit and initial interest rate will depend on your ability to repay and your credit worthiness.
-You must be a member of UFCU to apply.
-Credit limits up to $3,000 require a minimum 680 FICO credit score.
-Credit limits between $3,000 and $7,500 require a minimum 700 FICO credit score.
-Credit limits between $7,500 and $10,000 require a minimum 720 credit score.
-Credit  limits over $10,000 require a minimum 760 FICO credit score.  

 UFCU Visa® Gold
**3.25% Introductory APR applies to the first 12 billing cycles.  After that, your APR will be 7
.75% to 13.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate.

UFCU Visa® Platinum Rewards
**3.25% Introductory APR applies to the first 12 billing cycles.  After that, your APR will be 9.75% to 14.75% based on your creditworthiness.  This APR will vary with the market based on the Prime Rate. 
  
   
   
 

Visa® Benefits

UFCU Visa® Cards Benefits
UFCU has a variety of mechanisms in place to protect members from fraud and loss:

 

*View Visa®’s Guide to benefits



Visa® offers + Perks
Save money with special offers from Visa®.  Discover the discounts available for UFCU Visa® cardholders from national retailers, local restaurants, entertainment and online shopping. Check back often as the offers change on a regular basis.

Visa® Perks

 


Enjoy the benefits of membership Join US Today!
 

Have Questions? Contact Us
John Holtzhauer    (203) 816-4066
Angelica Calderon (203) 816-4069
or email credit.union@unilever.com for assistance.

 

Details

Credit card account management
Visit www.ezcardinfo.com to register and access your credit card information, statements and to make payments online.

Contact logging support if you have trouble using eZCardInfo  
If you experience difficulties in accessing ezcardinfo, forgot the User ID or password call logging support.
1-866-604-0380

Report a lost or stolen credit card/Customer Service/Dispute
Call: (800) 615-1161

International Calls: (727) 227-7264

Payment by mail
Mail a check with your payment slip to
Visa
P.O. Box 4521

Carol Stream
, IL 60197-4521
Checks payable to Visa


Credit Card Rewards
Visit www.ScoreCardRewards.com to create your profile. Once your profile is created, you can view your reward balance, search and view all available redemption options, and redeem your points for rewards!
Speak with a ScoreCardRewards representative about the program 1-800-854-0790

Travel Rewards
To redeem/cancel travel rewards call 1-800-842-3006

Change of address or all other correspondence
EZcardinfo will not allow you to update your profile. The easiest way to update your profile is by using your credit union online banking.  Click on the upper right corner (small sun symbol) to update your profile.  This will update your profile in all your credit union accounts. If you do not have access to your credit union online banking please contact us by mail or email 

Unilever Federal Credit Union
P.O. Box 1112
Englewood Cliffs, NJ 07632

angelica.calderon@unilever.com
john.holtzhauer@unilever.com

 

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