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Credit Cards

Backed by exceptional service and competitive terms, our Visa credit cards with EMV technology are designed to give you freedom and flexibility when making purchases and payments.

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Transfer high interest balances from other financial institutions and save! There’s no balance transfer fee or international transactions fees. Consolidate your different card balances into one low payment on your ACU account at a great rate.

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ACU Signature Rewards

APR* 6.54% - 17.99%

The ACU Signature Rewards Visa is the perfect card for members who are looking for a low variable rate and a rich assortment of benefits, with EMV technology.

Benefits

  • New accounts receive a low starting rate of 1.54% APR* for 6 months on  balance transfers made within first 30 days of opening your Visa (regular rate is 6.54% – 17.99% based on your credit worthiness and will vary with the market based on the Prime Rate)
  • No annual fee
  • ACUperks
  • Earn 1 point for every $1.00 purchased
  • Earn 2 points for every $1.00 purchased for gas and groceries
  • EMV chip security enhancement
  • Auto Rental Collision Damage Waiver
  • Warranty Manager
  • Travel & Emergency Assistance
  • Lost Luggage
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Option to skip up to two payments per year **
  • 25-day grace period
  • Immediate emergency card replacement

*APR=Annual Percentage Rate.

1.54% APR promotional balance transfer rate for 6 months and on balance transfers made within the first 30 days of opening new account. After that, the APR for the unpaid balance and any new balance transfers will be 6.54% – 17.99% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

See full Visa disclosure for more information.

**Skip-A-Payment requests are based on approval criteria established by the credit union. All loans eligible to skip their payment will automatically show on Online Banking. A fee of $30 will be deducted from a checking or savings account for this service at the time the request is processed. This fee will not be charged against any minimum balance requirements. Acceptance of this offer will extend the term of the loan and interest will continue to accrue. Mortgage and home equity loans are excluded from this program. A maximum of two payments in the past 12 months may be skipped. No consecutive skips (two months in a row). This service is subject to change without notice and other restrictions may apply.

 

ACU Platinum

APR* 5.54% - 16.99%

The ACU Visa Platinum card offers our lowest variable rate with no annual fee and EMV security.

Benefits

  • New accounts receive a low starting rate of 1.54% APR* for 6 months on balance transfers made within first 30 days of opening your Visa
  • No annual fee
  • EMV chip security enhancement
  • Auto Rental Collision Damage Waiver
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Option to skip up to two payments per year **
  • 25-day grace period
  • Immediate emergency card replacement

*APR=Annual Percentage Rate.

1.54% APR promotional balance transfer rate for 6 months and on balance transfers made within the first 30 days of opening new account. After that, the APR for the unpaid balance and any new balance transfers will be 5.54% – 16.99% based on your credit worthiness and will vary with the market based on the Prime Rate. This transaction is subject to credit approval.

See full Visa disclosure for more information.

**Skip-A-Payment requests are based on approval criteria established by the credit union. All loans eligible to skip their payment will automatically show on Online Banking. A fee of $30 will be deducted from a checking or savings account for this service at the time the request is processed. This fee will not be charged against any minimum balance requirements. Acceptance of this offer will extend the term of the loan and interest will continue to accrue. Mortgage and home equity loans are excluded from this program. A maximum of two payments in the past 12 months may be skipped. No consecutive skips (two months in a row). This service is subject to change without notice and other restrictions may apply.

ACU Business Credit

APR* 6.54% - 17.99%

Just because you are running a business, it doesn’t mean that you have to miss out on rewards and cash back! With a low variable rate, this could be the perfect Visa card for your business.

Benefits

  • No annual fee
  • ACUperks
    • Earn 1 point for every $1.00
    • 1 point for every $1.00 purchased
  • EMV chip security enhancement
  • Auto Rental Collision Damage Waiver
  • Travel & Emergency Assistance
  • Purchase Security & Extended protection
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Option to skip up to two payments per year **
  • 25-day grace period
  • Immediate emergency card replacement

*APR=Annual Percentage Rate. See full Visa disclosure for more information.

6.54% – 17.99% will vary with the market based on the Prime Rate. Rates, terms and conditions are subject to change and may vary based on creditworthiness and qualifications.

See full Visa disclosure for more information.

**Skip-A-Payment requests are based on approval criteria established by the credit union. All loans eligible to skip their payment will automatically show on Online Banking. A fee of $30 will be deducted from a checking or savings account for this service at the time the request is processed. This fee will not be charged against any minimum balance requirements. Acceptance of this offer will extend the term of the loan and interest will continue to accrue. Mortgage and home equity loans are excluded from this program. A maximum of two payments in the past 12 months may be skipped. No consecutive skips (two months in a row). This service is subject to change without notice and other restrictions may apply.

ACU Business Debit Image

ACU Business Debit

APR* not applicable

Our Business Debit card features EMV secure technology, ACUperks points, online access and more.

Benefits

  • No annual fee
  • ACUperks
    • 1 point for every $3.00 spent on Signature Transactions
    • 1 point for every $6.00 spent on PIN Transactions
  • EMV chip security enhancement
  • Special Discounts on your favorite brands
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Immediate emergency card replacement
ACU Debit Image

ACU Debit

APR* not applicable

The EMV Secure ACU Debit Card is your portal to ATM machines, online banking and more.

Benefits

  • ACUperks
    • 1 point for every $3.00 Signature Purchase
    • 1 point for every$6.00 PIN Purchase
  • EMV chip security enhancement
  • 24-hour access to your account through Online Banking and Mobile Banking
  • Secure online shopping with Verified by Visa
  • Immediate emergency card replacement

ACU Prepaid

APR* not applicable

The ACU prepaid reloadable Visa debit card allows you to load the card with your own money to make purchases everywhere Visa debit cards are accepted. Make travel reservations online, purchase gas, or dine out – it works just like a Visa Debit but you control the amount of money on the card. It is safer than carrying cash and will assist you in managing your finances. Plus, there are no prior banking relationship requirements.

EMV Visa Credit and Debit Card FAQs

The Basics/Chip Card Technology

What does EMV stand for?
Euro Pay, Master Card and Visa

What is a chip-based card?
A Chip Card contains an embedded microchip that encrypts card member information into a unique code that significantly increases transaction and account data security when used at a chip-enabled terminal, and makes card cloning and fraud more difficult.

Chip Card, EMV card, smart Chip card…what’s the difference?
These are all just different terms for the same technology. The technology used in these credit cards is commonly known as being EMV-enabled, which stands for Europay, MasterCard and Visa, which uphold the chip technology. These cards are a global standard for processing credit and debit card payments. Various credit card companies may refer to Chip Cards slightly differently, but they all function to help keep your card more secure.

Security Benefits

How secure are EMV cards?
Because EMV chip cards use cryptograms that are unique to each transaction, stolen chip card data cannot be used to create counterfeit cards. The added layer of security provided by EMV chips makes debit and credit card data much less valuable, decreasing incentive for fraudsters to steal data. With EMV chip cards, cardholders are still protected from fraudulent purchases with Visa’s Zero Liability* Policy

What information is stored in the EMV chip?
The EMV chip stores information needed to process the transaction. The chip does not store any location tracking capabilities or personal information.

Should I be worried that my personal information is vulnerable if my card gets lost or stolen?
The embedded microchip makes card member information much more difficult to duplicate or copy, and provides enhanced fraud protection on your account when used at a chip-enabled terminal. If your card is lost or stolen, you should call the number on the back of your credit card so we can issue a new Chip Card to you.

Do I need a special wallet to protect my chip card from being scanned by fraudsters?
No, Our chip cards are not contactless cards.  The only way they can be read is by inserting into an EMV capable terminal.  Our cards will not have the Radio Frequency ID (RFID) that contactless cards contain.

How It Works

How do I use the EMV chip card?
Merchants who have an EMV chip-activated terminal can process chip card transactions. You insert your card into the terminal and you do not remove your card until after the transaction is complete. Please view this video https://www.youtube.com/watch?v=ZUhHu7SGXREby Visa, to learn how to use your card at the terminal.

Can I still swipe my card to pay?
Yes, you can still swipe your chip-enabled card using the magnetic stripe on the back of the card at merchants who haven’t yet updated their terminals.

Can I use an EMV card online or over the phone?
Yes, you can use your EMV card for payment over-the-phone or online just like you always have.

Additional Details

My current ACU Classic/Gold/Platinum VISA card does not have an EMV Chip, when will the chip be available?
ACU is not offering EMV chip access for the current Classic/Gold/Platinum cards at this time. The new EMV Visa Platinum and EMV Visa Platinum Signature Rewards cards will be available starting, August 1, 2016.

If I don’t like my new EMV credit card can I switch back to my original Classic/Gold/Platinum Credit card?
We will no longer be offering our previous ACU Classic, Gold, or Platinum Visa loans after August 1, 2016.

If I don’t want to switch can I keep my existing ACU card?
Yes

What will happen to the current Visa Cash Rewards program?
Once you have switched to your new Visa EMV credit card product this rewards program will no longer be in effect.  The new rewards will be under the points system.  (1 point for every $1 purchase / 2 points for every $1 spent on grocery and gas purchase)  These points can be converted into merchandise, gift cards and more!

Is the Interest Rate different on the new EMV Platinum cards?
Yes, the new EMV Platinum Credit cards are variable rate cards. The interest rate will be determined at the time of opening and is dependent on your credit score.

Are there Rewards?
Yes, our Platinum Signature Rewards Visa credit card has a very robust rewards program that you can combine your Debit card rewards points with as long as they are on the same account.

If I switch, will my new Visa card have the same due date?
Yes, your payment will be due on the 25th of each month.