Credit Cards

We offer two popular credit cards for you to choose from. Our credit card gives you instant credit for unplanned emergencies or unbeatable bargains. 

The Platinum MasterCard® credit card offers you the convenience of a credit card with no annual fee, low non-variable interest rates and no balance transfer fee. This card could save you hundreds just in fees you might be paying with another card. So if you are tired of paying a high interest rate on your current credit card apply with us and let us help you reduce your payments or pay your current card off faster.

If you like to earn rewards with your credit card then the Platinum MasterCard® with CURewards might be the card for you. This card allows you to earn points on all purchases - one point for every dollar spent. The points you earn can be applied towards airline tickets or a wide variety of merchandise ranging from items for your home to sports equipment. Visit the CU Rewards website to see the type of rewards you can begin earning today.

To report lost/stolen MasterCard® credit cards, please call 800-449-7728.

Limited Time Offer: 0% APR* for 6 months on purchases and balance transfers

For a limited time, when you open a new credit card with us, get 0% APR* for 6 months on purchases and balance transfers made within the first 90 days of opening your card. Plus, our regular rates are as low as 7.99 % APR*, so you will still save big even after the promotional period is over. Since we don't charge a balance transfer fee, this is the perfect opportunity to move your balance to us and pay off your card faster!

If you have big expenses coming up, are looking for a way to save this holiday season or are hoping to pay off higher-rate credit card balances, apply for our low-rate credit card today! Apply at any branch, online or by phone.

*APR=annual percentage rates, reflect all possible discounts and are accurate as of 10/1/2017. Your rate will be based on your credit and may be higher. Purchases and balance transfers must be made within the first 90 days of opening the card to qualify for 0% APR for 6 months. Cash advances not included in this offer. Purchases and balance transfers after the initial 90 days will be at the regular rate. Other restrictions may apply. Contact us for more details.

MasterCard Payment Addresses:

Mailing Address:

PO Box 71050
Charlotte NC, 28272-1050

Overnight Address:

Payment Processing Dept.
560 Carillion Parkway
St. Petersburg FL, 33716

Questions about your card?

24 hour cardholder service

*APR=annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Actual rates are non-variable and will not change for the life of the balance. Offer good with approved credit for loans new to AACFCU. View Credit Card Disclosure.

Frequently Asked Questions:

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Or speak to a Member Service Representative at any of our branches.