Credit Cards

Credit Card Balance Transfers

2.99% APR* on balance transfers for 12 months!

For a limited time, transfer your balances from your high-rate credit cards to Army Aviation Center Federal Credit Union and save!

  • 2.99% APR for 12 months
  • $0 Balance Transfer Fee
  • Normal rates as low as 7.99% APR

Why not use this opportunity to pay off your balances faster or save the money you are spending on high interest rates? No one wants to pay more than they have to, so apply online or in a branch to get started.

Apply Now

*APR means annual percentage rate. After the 12 month promotional period, your rate will return to your normal rate. Normal rates are as low 7.99% APR. Your rate is based on your credit and may be higher. Offer good with new, approved cards only. Balance transfer must be made within 30 days of opening account. Other restrictions may apply. Contact us for more details.

MasterCard® Credit Cards

Even if you are not a regular user of credit cards, the Army Aviation Center Federal Credit Union (AACFCU) MasterCard® credit card is a "must." It gives you ready cash or instant credit for unplanned emergencies or unbeatable bargains. All AACFCU credit cards are now being issued as the chip-enabled EMV cards. Current cardholders will receive the new chip-enabled EMV cards as their current cards are reissued.

The annual percentage rate is as low as 7.99 % APR* for the Platinum MasterCard® credit card and as low as 9.99 % APR for the Platinum CU Rewards MasterCard® credit card. There is no annual fee, and qualified members may apply for and receive either a Platinum MasterCard® credit card or a Platinum CU Rewards MasterCard® credit card. Both have a 25-day interest-free grace period if the balance is paid in full. Cash advances are always subject to a finance charge from the date of the advance.

The Platinum MasterCard® credit card with CU Rewards 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 apply for a Platinum MasterCard® credit card or to upgrade to a Platinum CU Rewards MasterCard® credit card, click here to Apply Now or stop by a branch .

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

*APR means annual percentage rate. The rate is non-variable and will not change for the life of the balance. Click here for disclosure .

Do you travel or live outside the U.S.?

Then make sure to take along the new chip-enabled EMV MasterCard® Credit Card

The new internationally accepted Army Aviation Center Federal Credit Union (AACFCU) EMV MasterCard® credit card is here. This is the payment card preferred by merchants around the globe. If you are living, working or traveling overseas, this may be the only form of payment accepted by many merchants.

The card features chip-enabled technology that provides an added layer of security which is perfect for use at unattended kiosks, parking garages and European train stations requiring PIN confirmation to complete the purchase. Each transaction is unique, making it almost impossible for fraudulent transactions to be recreated. 

If you order a new EMV MasterCard® credit card, your MasterCard account number and PIN will change. If you have recurring monthly charges billed to your AACFCU MasterCard, you will need to notify the billing company of your new number once you have received the card. You will not be able to change your PIN.

If you are interested in the new EMV MasterCard® credit card, which has the same rate as low as 7.99 % APR as our Platinum MasterCard credit card, give us a call. Order yours today.

Helpful Documents:
EMV Credit Card FAQs

24-hour cardholder service: 800-654-7728

MasterCard Payment Addresses:

Mailing Address:

PO BOX 71050
CHARLOTTE NC 28272-1050

Overnight Address:

Payment Processing Dept.
560 Carillon Parkway
St. Petersburg FL 33716

MasterCard® Credit Card / Debit Card Dispute Form

Cardholder dispute form - PDF document