Credit Cards
Keeping Your High-Interest Credit Cards is Like Throwing Away Free Money
Rid yourself of high-interest rates and fees by switching to Advantage Credit Union's Visa® Credit Cards!
If you've got questions about our credit cards and would like to ask one of our loan officers about more details and we'll get the process started for you!
Ready to apply? Print off the ACU Credit Card Application, fill it out and mail in or drop it by our office.
Your Card, Your Way! Our Visa® Classic Program offers a low fixed rate. Our Visa® Rewards card offers 1% cash back on all purchases.
New cardholders also get a special promotion, regardless of your credit score!**
Visa Classic - 4.99% APR* on purchases and balance transfers for the first 9 months from the open date of your credit card.
Visa Rewards - 6.99% APR* on purchases and balance transfers for the first 9 months from the open date of your credit card.
*APR is Annual Percentage Rate. **Subject to credit approval.
| Card Type | Visa® Classic | Visa® Rewards |
|---|---|---|
| APR for Purchases, Balance Transfers and Cash Advances | 7.9%-13.9% Non-Variable Rate dependent on your creditworthiness |
12.9-18.9% Non-Variable Rate dependent on your creditworthiness |
| Rewards | None | 1% Cash Back on all purchases |
| Balance Transfer Fee | None | None |
| Cash Advance Fee | None | None |
| Annual Fee | None | None |
| Minimum Interest Charge | $0.00 | $0.00 |
| Foreign Transaction Fee | 1% of each foreign transaction in U.S. Dollars | 1% of each foreign transaction in U.S. Dollars |
| Late Payment Fee | Up to $15.00 | Up to $15.00 |
| Returned Payment Fee | Up to $15.00 | Up to $15.00 |
For lost or stolen credit cards, please call (888) 514-1488
For your convenience, ACU offers you 24-hour online access to view your credit card account status, account history, and even make payments online via Advantage Card Central.
Payments can also be paid automatically via ACH monthly, Paid through It's Me 247 Online Banking, or at the teller line.
Advantage Card Central
Your new digital credit card management experience is here! Please enroll today to continue managing your Advantage Credit Union credit card online.
How to enroll:
Desktop and web users: Please go to https://bit.ly/acucardcentral and select Enroll to set up your profile. Use your new username and password going forward.
Mobile app: Download Advantage Card Central from the Apple App Store or Google Play Store. If you have already created your username and password via the desktop platform, simply login, otherwise tap Enroll.
Recommended next steps after enrollment:
Re-enroll in Electronic Statements (eStatements) (if you previously received electronic statements) to continue paperless delivery and access your past eStatement history online.
Explore the new features like card lock, travel notes, alerts and controls, card on file and more!
Questions? Contact the credit union at 641-792-5660.
Credit Solutions
If you’re struggling to pay your loan or looking to improve your credit, ACU could help. Visit our Credit Solutions page for more information.
Interested in applying for a credit card?
Thank you for inquiring about obtaining a credit card from Advantage Credit Union. Please answer the following questions to help us better serve you and one of our loan officers will be in touch with you to start the application process.