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Credit Cards

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Visa Gold

Higher credit limits up to $15,000 and a lower rate combined with the VISA Gold name, make this premium card product very popular at Upward CU.

Features

Visa Classic

A low fixed rate, and credit limits up to $7,500 round out the features of the Upward CU VISA Classic – with worldwide acceptance, 24-hour customer service, and no annual fees. Need to add additional signers to the account? Not a problem! Multiple cards are available to add an additional signer such as a child or family member.

Features

Visa U Classic

Now there is a VISA Credit Card designed especially for our members that are 21 to 24. A manageable credit line of $500.00 combined with a low fixed interest rate makes this a great product for a student establishing a credit history. A co-signer may be required based on age and income verification.

Features

Visa Share-Secured

Have you had credit problems in the past or just starting out? Our Share-Secured VISA is a great way to establish or rebuild your credit and Upward CU is here to help you accomplish that with our low rates and the convenience and access of a VISA card.

Simply use your shares at Upward CU as collateral. Your credit limit will be determined by how much you pledge up to a maximum of $1500. Use your card and make your payments on time, and you’ll be building a positive credit history. After you’ve demonstrated your financial responsibility, you can apply for a regular card.

Credit Cards

Visa® Gold
Visa® Classic
Visa®-U
Shared Secured Visa®

Credit Card	Visa® Gold	Visa® Classic	Visa®-U	Shared Secured Visa®
Credit Card	Credit Card			$3999 /year	$3999 /year
APR for Purchases	9.90% Maximum credit limit of $15,000.00	13.50% Maximum credit limit of $7,500.00	15.00% Maximum credit limit of $500.00	15.00% Maximum credit limit of $1,500.00
Variable Rate	Fixed	Fixed	Fixed	Fixed
Annual Fees	No annual fee	No annual fee	No annual fee	No annual fee
Grace Period for Repayment of Balance for Purchases	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed	25 days to repay your balance before a finance charge will be imposed
Balance Calculation Method for Purchases	Average daily balance including new purchases	Average daily balance including new purchases	Average daily balance including new purchases	Average daily balance including new purchases
Transaction Fees - Cash Advances	N/A	N/A	N/A	N/A
Transaction Fees - Late Payment	$10	$10	$10	$10
Transaction Fees - Over-The-Limit	$0	$0	$0	$0
Minimum Finance Charge	N/A	N/A	N/A	N/A
	Buy Now	Buy Now	Buy Now	Buy Now

The information quoted is accurate as of August 22, 2023. This information may have changed after that date. To determine the latest information call us at (650) 231-1300, or write to us at Upward Credit Union, 1860 El Camino Real Suite 100, Burlingame, CA 94010.

* Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

** Special Rates reflect a 0.50% discount for Direct Deposit into a Upward CU Checking Account. If direct deposit is terminated within the first six months, the rate will revert to the non-discounted rate. You can also qualify for the 0.50% discount by setting up ACH automatic payments that are originated by Upward Credit Union. Only one 0.50% discount per loan. The Annual Percentage Rates displayed are for level 1 credit scores. Individual rates may differ based on application and credit criteria.

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Credit Cards

Visa Gold

Features

Visa Classic

Features

Visa U Classic

Features

Visa Share-Secured

Credit Cards

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