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.
