Credit Cards

University & Community Federal Credit Union in Stillwater, OK offers MasterCard Credit Cards to members throughout the area. Our MasterCard, available in standard or platinum, is one of the most widely accepted credit cards in the world. MasterCard also provides the added security of purchasing power without having to carry large amounts of cash. A University & Community Federal Credit Union MasterCard Credit Card can save you money. Use your new card to pay off higher interest credit card balances and to consolidate monthly payments.

Just look at our benefits:

  • Standard & Platinum cards available
  • Low interest rates
  • 25-day grace period on purchases
  • No transaction fee on purchases

Click here to contact a loan officer

Billing Inquiries: P.O. Box 815909 Dallas TX 75381-5909
Mail Payment: P.O. Box 672051 Dallas, TX 75267-2051
Customer Service: 1-888-310-4861
Online Payments: www.gotomycard.com or login to your online account access and click on the “Credit Card Login” link on the left menu.

Click here for the MasterCard Platinum Insurance Guide

Start now with a limited-time offer of 3.99% APR* for 12 months.**



Are you tired of paying a crazy high APR* on your balance of your gas card, retail store card or your credit card? If so, then come into University & Community FCU and talk to a Consumer Loan Officer about how you can transfer your balance today.



Applying for a balance transfer with UCFCU is easy! Simply complete the balance transfer application. Processing times may vary, so please allow up to four (4) weeks for balance transfers to be completed. The total of all your balances to be transferred may not exceed your credit limit minus $75.00.

If you have a UCFCU MasterCard Credit Card you can transfer your balance to that card. If you don’t have a UCFCU MasterCard Credit Card you will need to fill out an application for a MasterCard credit card through University & Community Federal Credit Union. When your account has been approved, you will be able to make purchases from merchants accepting that credit card up to a pre-established credit limit.  When a purchase is made, you agree to pay the card issuer, University & Community. Electronic verification systems allow merchants to verify that the card is valid and that you have sufficient credit to cover the purchase in a few seconds.

At the end of the one (1) year promotional period your APR will be raised to its rate of the current APR*. To eliminate late fees or other applicable charges, continue making payments on your balances until the balance transfers are complete. Any new charges made on your existing cards after the balance transfer has taken place will not be transferred and may require at least the minimum monthly payment.



Can I apply online?

Yes. Apply Here or you can apply UCFCU’s Main Location:

311 E. McElroy Rd.
Stillwater, OK 74075
and speak with a loan officer about transferring your credit card balance.

How long does my 3.99% APR* last?

You will have one (1) year to the date you transferred your balance to pay off your balance with that rate. After that date passes, your rate will change to your current APR* (see Credit Card Agreement for more information).

Why don’t I get a 3.99% APR* for future purchases?

The special 3.99% APR* is for the balance transfer amount only. All other past or future charges with your UCFCU card is at the APR of the card (see Credit Card Agreement for more information).

This guide is intended solely as an informational tool, not as an all-inclusive information source. Click here to contact a loan officer for full information about loans and services.

*APR means Annual Percentage Rate. This offer is only available to advances made to pay obligations incurred with another lender and will be charged a 3.99% APR until the last day of your first billing period after one year from the first advance. After that date, the 3.99% APR will expire and the APR for all outstanding balances will be the APR you are charged for purchases on such date. All payments will be applied to balances with the highest APRs first. Your APR for all other advances will remain the same. Cannot be combined with any other offer. New money only. Approval subject to credit qualifications and lending guidelines. UCFCU is not responsible for any charges owed to any creditor because a payment was not applied by a specific date. UCFCU reserves the right to decline any balance transfer request. Refer to our Credit Card Agreement for more information.

**Balance Transfers are processed in accordance with your Credit Card Agreement and are subject to credit availability. If you request a balance transfer to be made, you should not rely on a balance transfer to be made by any particular date. Although most balance transfers will be made sooner, it could take up to four weeks before payment to your other account is made. Accordingly, you should continue to make all required payments on your other accounts until you confirm that the balance transfer has been made. Balance transfers may not exceed your available credit. If you transfer a balance that contains a dispute with a creditor, you may lose certain dispute rights. When you transfer a balance using this form, the amount transferred will be treated as a Retail Sale. Please refer to your Credit Card Agreement to determine your Retail Sale Annual Percentage Rate. In addition to periodic finance charges, balance transfers are subject to an additional fee which is equal to 3% of the balance transfer, but not less than $10 and a maximum of $200. There is no grace period for balance transfers. For specific information about the costs, please call 405.743.3328.