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 with NO added fee’s.
Sign up today at www.ezcardinfo.com
| INTEREST RATES AND INTEREST CHARGES | |
|---|---|
| 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 http://www.consumer-finance.gov/learnmore |
| FEES | |
| Annual Fee | None |
| Transaction Fees Balance Transfers and Cash Advances |
None |
| 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.
Learn More About Your Credit Card
How it affects your credit score
Paying the FULL balance each month on your credit card is the best option in the long run. But there may be months where you need the extra money to fix your car or pay a medical bill, for example. In those cases, paying the minimum will cause you to carry a credit card balance that racks up interest charges on your purchases.
Click the button below to learn more about the impact of making minimum payments on your credit card.