No Credit Does Not Equal Bad Credit!

Tired of getting turned down for credit simply because you have no credit? At Unitus, we certainly don't believe that no credit equals bad credit. That's why we established a special Starter VISA program using our standard VISA Classic card.

We don't believe a person just starting out should pay a fortune for a credit card either. Our VISA Classic Card offers a competitive interest rate, no annual fee, and a 25 day interest-free grace period*. And, there is no application fee, gimmicks, or teaser rates. You simply get a great VISA Card, from someone you can trust.

We require that you complete the two programs (Money Management & Credit Matters) listed below prior to obtaining your Starter VISA. Please read through each required program and complete the short quiz at the end. These programs are designed to help educate you on how to manage your money and credit responsibly.
To qualify for an even higher limit, attend one of our Understanding Your Credit seminars; click here for more information. If the dates/times are not convenient, no problem. Simply call our Member Loan Center at (503) 227-5571, Option 2 or 1-800-452-0900, Option 2 to arrange for a one-on-one session that works with your schedule.

Other terms and conditions may apply, so please contact us for details.

To learn more about our VISA Classic Card, click here.

*No finance charge if balance is paid in full and on time, and no balance was carried forward from previous month. Cash advances accrue interest from date of disbursement.