Accounts & Services

ACU Visa® Platinum & Platinum Rewards Credit Card Application & Solicitation Disclosure

Please review the card information below to determine the card you wish to apply for and click "I Agree" at the bottom of the table to complete your online application.

Interest Rates and Interest Charges

 

Platinum

Platinum Rewards

Annual Percentage Rate (APR) for Purchases

Your APR will be 7.65%-16.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate.

Your APR will be 10.65%-19.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate.

APR for Cash Advances

Your APR will be 7.65%-16.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate.

There is no grace period for cash advances.

Your APR will be 10.65%-19.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. 

There is no grace period for cash advances.

APR for Balance Transfers

1.99% Introductory APR* for a period of six (6) billing cycles. After that your APR will be 7.65%-16.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate.

1.99% Introductory APR* for a period of six (6) billing cycles. After that your APR will be 10.65%-19.65% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate.

Minimum Interest Charge

$0.50

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Federal Reserve Board

To learn more about the factors to consider when applying for or using a credit card, visit www.federalreserve.gov/creditcard

Fees

Set-up and Maintenance Fees

  • Annual Fee
  • Account Maintenance Fee on Closed Accounts


None
None

Transaction Fees

  • Cash Advance Fee
  • Foreign Transaction Fee


1.50% of the amount of each cash advance, with a maximum of $50.
1.00% of the amount of the transaction in U.S. dollars

Penalty Fees

  • Late Payment Fee
  • Returned Payment Fee

$25
$25


How We Will Calculate Your Balance - We use a method called “average daily balance (including new purchases).”

Effective Date - The information about the costs of the card described in this application is accurate as of July 1, 2016. This information may have changed after that date. To find out what may have changed, contact us at 866-I-OWN-ACU or visit www.abricu.com.        

OTHER DISCLOSURES
Card Replacement Fee:  $5.00
Rush Card Fee: $25.00
Statement Copy Fee: $5.00

* Does not apply to existing ACU balances or convenience checks, must be $100 or more to qualify, and has no grace period on finance charges.