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A credit card that keeps interest low and things simple. The Wolverine Low Rate Card helps you build credit, stay on budget, and avoid paying more than you should.
Get the card built for lower rates.
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See how the Wolverine Low Rate Card keeps things simple.
If you’re new to credit, this card makes it easy to start. It’s built to help you build credit while keeping things simple and manageable. It works well for everyday spending like groceries, gas, or splitting costs with friends.
The biggest benefit is the low interest rate. If you carry a balance, you will pay less compared to most cards. This helps you stay on track and avoid extra costs.
You also get tools that make managing your money easier. Features like fraud protection, mobile payments, and spending tracking help you stay in control and build smart habits from the start.
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Visit any UCCU branch location
Available M–F 8am–6pm, and Sat. 9am–2pm

The UCCU Credit Card Payoff Calculator is a powerful, easy-to-use tool designed to help you take control of your finances by understanding your credit card debt.
Low-rate Visa cards are ideal for everyday purchases, especially if you carry a balance. With a lower interest rate, you can save on interest charges while managing regular expenses like groceries, gas, or bills.
The low rate is typically available if you maintain your account well. Some cards may have promotional rates for an initial period, but with consistent payments, you can continue benefiting from competitive rates.
Yes, a low-rate Visa card can be used for large purchases, offering the advantage of lower interest rates if you need to carry a balance. However, paying off the balance as quickly as possible is always a good idea to minimize any interest charges.
Missing a payment will lead to late fees and, in some cases, an increase in your interest rate. It’s essential to make your payments on time to continue enjoying the benefits of the low-rate card and avoid unnecessary fees.
They have several built-in protections and security features to help keep your account safe. These include fraud protection, which enables you to report and resolve unauthorized transactions, and purchase protection. You’ll also enjoy the security of Visa’s Zero Liability policy, meaning you won’t be held responsible for unauthorized charges if your card is lost or stolen. These benefits are designed to give you peace of mind while you manage your finances.
(801) 223-8188
Mon – Fri: 8:00 am – 6:00 pm
Sat: 9:00 am – 2:00 pm
or send us a message from inside online banking.
Low-rate Visa Credit Card:
*0% introductory APR valid for new UCCU credit cards. 0% on purchases introductory APR from 6 months from when the credit card limit is available. After the intro 0% APR expires, your APR will be as low as 11.00 % variable APR for a Low-Rate Card. Low-Rate Card APR will vary with the market based on the Prime Rate. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Limited time offer. Federally insured by NCUA. Visit uccu.com/visa for credit card details
4321 Cash Back Visa Credit Card:
*APR = Annual percentage rate. Fixed 18.00% APR. Financing is subject to UCCU membership and underwriting criteria, not every applicant will qualify. 2% foreign transaction fee. Federally insured by NCUA.
Click to view Credit Card Rate & Fee Disclosure, Visa Cardholder & Protection Agreement, or the 4-3-2-1 Cash Back Card details.