Credit Shouldn’t Be Complicated

Enjoy the same APR for everything—purchases and cash advances—no over-the-limit fees and 100% liability protection on fraudulent activity.

Read the fine print (PDF)

Create Your Calling Card

Choose from four unique designs to personalize your Great Rate card, plus additional options exclusively for alumni of St. Edwards University and Wheatsville Co-op members.

360 BridgeUT TowerElissaPrideSt. Edward’s University Alumni AssociationWheatsville

Members: log into your account to apply. Non-members: apply online.

Credit-Worthy Rates

Your Credit Excellent Good Average Fair Marginal Poor /
No Score
Annual Percentage Rate (APR) 8.49% 11.49% 13.49% 17.49% 17.90% 17.90%


APR = Annual Percentage Rate

Features, terms and conditions apply to cards issued after January 1, 2014.

* Based on your credit and risk score

View your account

Soon, you can manage your credit card and view your transaction history within Online Banking; we will discontinue eZCard as of February 22, 2019.

Credit Card Login
Online Banking
Enroll in Online Banking


Learn how to use the eZCard website to manage your account.

eZCard Learning Center

How much is your debt costing you?

Use this handy tool to calculate how long it will take you to pay off your debt.

Earn more for spending more
UFCU Cash Back credit card

Simplify the Way you Shop
Use your UFCU card to pay online, from your device, or with the touch of your finger.
Learn more