Smart Rate

USSFCU’s Smart Rate offers the lowest interest rate while Smart Rewards provides opportunities to earn redeemable awards through USSFCU’s Smart Rewards Program. Learn more below!

Visa® Smart Rate – USSFCU’s Standard Credit Card Option

Accepted worldwide, USSFCU’s Visa Smart Rate offers a low-interest rate and serves as USSFCU’s standard credit card option. It offers cardholders a number of benefits, including:

  • No balance transfer fees
  • No cash advance fees
  • No annual fees
  • No rate change for late payments
  • No over-the-limit fees*
  • No rate increases on cash advances*
  • Debt protection available
  • 24/7 online account management and tracking
  • 24/7 emergency card assistance
  • Free auto rental collision insurance
  • Advanced risk detection technology
  • Free enrollment in smsGuardian – Text Alert Fraud Prevention 

Apply For You USSFCU Visa Card Online! If you are a member, log in to CUAnyHour+ Online Banking and click on the "Apply for Loan" tab to get started applying for your new card.

Not a member? Not a problem. With 140 plus paths to membership, joining is simple and easy. Join today.

If you are not a member but would like to apply for a loan, first apply for USSFCU membership. Once you become a member you can apply for a loan through CUAnyHour+ Online Banking

Read the Smart Rate Agreement and Disclosure here.

Block and Report a Lost or Stolen Card. 

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*See Visa disclosure for cash advance and over-the-limit details on our rate page.