Credit/Debit Cards

APR* = Annual Percentage Rate


Classic APR*


Gold APR*


  • No annual fee, no transaction fees (see below for other fees)
  • No charge on balance transfers
  • 25-day grace period on purchases
  • Credit limits to $10,000
  • $250,000 Free Travel 
  • Accident Insurance
  • Payments can be made at any of our offices
  • Earn bonus points for all of your transactions

MASTERCARD offers Scorecard Rewards to all of it's members. To learn more, visit

Track your account online at

Get your up-to-date credit report at

Agreement and Disclosure
  MASTERCARD® Application

VISA® Check Card

  • Fee Free* and Surcharge Free*
  • No minimum balance
  • No monthly service fee
  • No point-of-sale transaction fee
  • Reward Points

The AFCU VISA Check Card can be used instead of a check to make a purchase or as an ATM card to get cash. Your VISA Check Card is accepted at most merchants and at STAR, Plus, Honor, and the Exchange ATMs.

When you use your AFCU VISA Check Card, you’ll earn at least one Reward point for every dollar spent!

Points can be redeemed for travel, entertainment, and more. Browse through rewards at

Get your up-to-date credit report at

* There is a 1% exchange rate for international cash withdrawal and purchases. See Fees below for complete list of charges.
** Allpoint and AFCU ATMs

Debit Card Use Policy VISA® Check Card Application

Expedite Card Delivery


Card Replacement


Late Payment fee


Return check charge on payment


Research fee(items for dispute that exceeds 63 days after appearing on first bill)

VISA® Debit Cards/ATM

Expedite Card


Withdrawal at Allpoint network machine


Withdrawal at ATM (International)


Replacement for lost or damaged card


ATM – POS Overdrafts