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The YOU Card

We found a way to help you save!

Our YOU Card is our premier credit card. It has no annual fee, a low rate, and rewards that really add up. For a limited time, we’ll also waive the balance transfer fee for the first 60 days after account opening and apply an intro rate of 0.00% APR* for the first 6 months. After your intro rate, your regular rate could be as low at 8.75% variable APR.

Plus, when you spend $300 on your new card within the first 3 months, you also get 5,000 bonus reward points! This is a great opportunity to make a big purchase or transfer a balance and save on interest.

Make the most of your holiday shopping and everyday purchases with the YOU Card. Then redeem your rewards points for cash, gift cards, name brand merchandise, and even bill credit. Apply today to make sure you don’t miss this great opportunity.

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*APR = Annual Percentage Rate and is based on a variable loan product. All loans are subject to credit approval. The introductory promotional 0% APR will be in effect for the first 6 months from the time you open your credit card account. After the first 6 months, the APR is based on the Prime Rate (Index) plus a margin of Prime Plus 5.00% to 12.00% (currently 8.75% – 15.75%). Your APR will be calculated by adding a margin from above to the Prime Rate as correctly published in the Wall Street Journal as of the 15th day of the month immediately preceding the billing cycle. The Credit Union may adjust the rate once each month effective the first day of the billing cycle. APR changes will reflect on the following month’s statement. The APR will never be greater than 18.00%. Any increase in the annual percentage rate 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. Offer subject to change at any time without notice. **After 60 days, the normal Balance Transfer Fee will apply to all balance transfers. Balance Transfer Fee=$10 or 2% of the amount of each balance transfer, whichever is less. Cash Advance Fee of $10 or 2% of the amount of each cash advance, whichever is less, will apply when you open your credit card account. Foreign Transaction Fee of 1% of each transaction in U.S. dollars will apply when you open your credit card account. †5,000 bonus rewards points based on spending at least $300.00 within 90 days of account opening.