Forever Fixed 6.99% APR Visas

Get off the variable rate rollercoaster with a Forever Fixed 6.99% APR* Balance Transfer. For a limited time, you can transfer your high interest variable rate credit cards from another institution to one of our Visas at a fixed 6.99% APR. This low rate lasts until the balances transferred are paid in full, and since the rate is fixed, it will never increase.***
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If you already have an ACU Visa Platinum, Platinum Rewards or Green Rewards card, you can transfer other balances from non-ACU Visas here:
Start Transferring

Visa Card Options


Credit Cards New 3

ACU Green Rewards 

For people with less than perfect credit, the ACU Green Rewards Visa Card is the perfect card when you want cash back and plenty of benefits.

Cash back Rewards of 1.5% 

No annual fee

6.99% APR* on balance transfers Forever Fixed and 15.99% APR* on new purchases. 

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Credit Cards New 1

ACU Platinum 

The ACU Visa Platinum card offers our lowest variable rate.

No annual fee

6.99% APR* on balance transfers Fixed Forever

7.04% – 18.00% APR on new purchases based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.

Personalized images on card for only $15

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Credit Cards New

ACU Platinum Rewards 

The ACU Platinum Rewards Visa is the perfect card when you want a low rate, rewards, and a rich assortment of benefits.

No annual fee

1% cash back** on purchases

6.99% APR* on balance transfers Forever Fixed

8.04% – 18.00% APR on new purchases based on creditworthiness when you open your account. APR will vary with the market based on the Prime Rate.

Personalized images on card for just $15

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Credit Cards New 5

Low Interest Rate

Save money with our competitive rates.

Credit Cards New 5

No Annual Fees on Personal Cards

Never pay a fee to carry our personal credit cards.

Credit Cards New 5

Online/Mobile Banking & Card App

Enjoy 24-hour access to your account.

Credit Cards New 5

Security Enhancements

EMV chip security enhancement keeps your card safe.

All ACU Visa Cards Come With Great Features and Benefits:

No matter which ACU card best fits your needs and lifestyle, you always get these great features and benefits. 

View ACU Card terms and conditions here.

ACU Visa Credit Card Rates

At ACU, our cards always come with great rates. Whether you chose a card with rewards, a business card, or a card for rebuilding your credit, competitive rates are in your future.

[See Our Rates]

Transfer Your Credit Card Balance

Transfer high-interest balances from other financial institutions and save! Consolidate your different card balances into one low payment on your ACU account at a great rate. [There are no international transaction fees.]

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“I’ve been an ACU member since 2012. My accounts have included a business account, personal account, credit card, and vehicle loans.  Over the years, I have always been greeted with enthusiasm and a helpful attitude. Ms. Lydia and Zach have been available to answer any questions I’ve had.

I am proud to say I’m a member of the DuPont Branch Americas Credit Union and often recommend their branch and staff to family and friends.”

-Lou M.

More ACU Personal Finance Options

Personal Loans

Borrow a minimum of $500 and a maximum of $25,000 based on your individual needs and creditworthiness.

Learn More 

Student Loans

Whether you’re an undergraduate, graduate student, or parent, get money for school from Sallie Mae® Student loans from ACU. 

Learn More 

Home Equity Loans

Access the equity in your home to consolidate debt, do home improvement projects, pay for a wedding, cover unexpected expenses, and more.

Learn More 

*APR=Annual Percentage Rate. Your APR for purchases is 6.79% – 18.00% 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 or Business Visa disclosure for more information. Membership share savings is required with minimum $25 deposit.

Verified by Visa enrollment is no longer required on ACU cards, but rest assured that your ACU Visa card transactions are still secure. Your security is important, therefore we have deployed advanced risk detection technology to monitor transactions which removes the need for passwords, allowing you to shop without interruption.

** Cardholders will earn a one percent (1%) cash reward for every one dollar ($1.00) in net purchases (purchases minus returns/credits) made on your Credit Card Account, rounded to the nearest one cent ($0.01).  You do not earn Cash Rewards on cash advances of any kind, balance transfers, any interest or fees, including but not limited to returned payment fees, and late fees. Your Cash Reward balance will be calculated monthly and a rolling total will appear on your Visa statement. Your account must be open and in good standing (not cancelled or terminated by either party, not delinquent or otherwise not available to use for charges) at the time of redemption.

***Balance Transfer: Offer applies only to balances transferred with cash advances done by ACU to pay off existing balances with other creditors. There is no grace period for cash advance transactions; interest is charged from the date of posting. Business Visa and Aspire Visa are excluded from this promotion. We apply your minimum payment to balances with the lowest APRs first. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances. Your other debt account(s) will not be closed by ACU (even if you transfer your entire balance). If you wish to close other accounts, please contact the creditor. You should make at least your minimum payment on any card on which you are transferring a balance until you receive confirmation from the creditor that your balance transfer payment has been received, ACU is not responsible for late payments on other debt account(s). In the event that your request(s) exceed the amount of your credit line, then ACU will fulfill your requests in numeric order as listed on your request. ACU may decline to process one or more requests and/or may complete one request in a partial amount.

ACU Visa Credit Cards

Great benefits, low rates, no annual fees on personal cards, and several options to choose from.
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