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 balance transfers for current cardholders

Existing AACFCU credit cardholders, get 0% APR* for 6 months on balance transfers^. Our regular rates are as low as 7.99 % APR*, so you will still save big even after the promotional period is over. Since AACFCU doesn't charge a balance transfer fee, this is the perfect opportunity to move your balance to us and pay off your higher rate credit card balances!

*APR=annual percentage rate. For current credit cardholders who opened an AACFCU credit card prior to July 1, 2018 and want to transfer a balance from another company’s credit card. AACFCU does not charge a balance transfer fee. ^Member must have available credit to qualify for the balance transfer or must apply for a limit increase. Balance transfer cannot be from one AACFCU account to another. This is only for new money to AACFCU. 0% APR is only on the amount of the balance that is transferred from another company’s credit card. Any current balance on the card is at the member’s current credit card rate. After 6 months, the interest rate goes to the member’s regular credit card interest rate. This promotion is subject to change.

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.