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

  • No balance transfer fee

  • No purchase transaction fee

  • Low non-variable rate

  • No cash advance fee

Scorecard Rewards Program

Our VISA Platinum Credit Card comes fully loaded with a Scorecard Rewards program that allows you to earn bonus points every time you swipe your credit card! Rack up your rewards points and use them to shop name brand merchandise like Apple®, Pandora®, Bose®, YETI® Coolers and more at the ScoreCard mall! Points can be redeemed for more than just merchandise. Use your rewards points on travel & digital rewards, daily local discounts & deals, opportunities to win prizes daily and so much more.

EZ Card Info

Register for online access to your credit card account through EZ Card Info! Analyze your spending, view your statements and even pay your credit card bill online. Sign up today!

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 $1.00
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
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.