Credit Cards

Our credit card interest rates are lower than ever!  As low as 7.99% APR, with no annual fee.

A competitively priced Platinum Visa that offers all of the convenience, flexibility, and services available from Visa.  Plus, it is brought to you by ACFCU!  Your local Credit Union that you have known and trusted for years.

ACFCU's Platinum Visa is packed with money-saving features, like ...

  • No annual fee
  • Low non-variable rate
  • No cash advance fee



 Annual Rate (APR) for Purchases 7.99% to 15.99% based on your creditworthiness.
APR for Balance Transfers and Cash Advances  7.99% to 15.99% based on your creditworthiness
Penalty APR and When it Applies 18% APR  This APR will apply to all new purchases, balance transfers, and cash advances if you are more than 60 days delinquent for payment owed.  The APR will return to your standard rate if you make six consecutive minimum payments.
Paying Interest Your due date is 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay the entire balance by the due date each month.  We will begin charging interest on cash advanced and balance transfers on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumer-finance.gov/learnmore
 Annual Fee None

Transaction Fees

Balance Transfers and Cash Advances


Penalty Fees

Late Payment

Returned Payment


Up to $25.00 after 10 days past due.

Up to $25.00

How we will calculate your balance: We use a method called "average daily balance (including new purchases)." In all cases, please see the Card/Membership Agreement that will be provided to you before you can use your new card.

* Annual Percentage Rate is determined by your credit qualifications.  Membership eligibility is required.

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