We offer a variety of cards for our members. We strive to ensure that each of our cards is secure and easy to use.
If you’re new to United Texas Credit Union and don’t already have a card, please visit utxcu.com for information on current credit card and debit card offerings.
Here’s a synopsis of what existing debit and credit cardholders (former First Class American CU members) enjoy with United Texas Credit Union.
Credit Card Options
VISA Credit Cards
VISA credit cards offer maximum spending flexibility for users. Spending limits on your credit union VISA credit cards is set based on your monthly income. The payment terms will be based upon your credit and salary. Members in good standing can usually obtain a lower rate.
VISA Debit Cards and Check Cards
VISA debit cards and check cards are based upon the amount of money that you have deposited into a bank account. The more money that you have deposited, the more spending power you have. You can still dispute transactions just like a credit card. Some banks will allow overdrafts similar to the check writing process.
Prepaid Debit Cards
Prepaid debit cards will only allow you to spend what you deposit. Once you spend that amount, the card cannot be used until it’s reloaded.
Some people don’t know what to get their loved ones. So, they simply purchase VISA gift cards for a certain denomination of money. Gift cards keep money secure until it’s ready to be redeemed.
Travel cards can replace the need for traveler’s checks. Funds are more secure with travel cards because each transaction can be accounted for, and you won’t have to worry about keeping track of cash and international currency.
Try United Texas CU for Your Credit Card Needs
No matter what your needs for cards, we have something to offer you. Contact one of our representatives and we’ll help you pick the best card for your needs.