Simplicity in Lending
Open to All of Colorado
ACU believes in the tenet of keeping things simple. Our credit cards exemplify this. The rate is among the nation's lowest, going as low as 4.9%APR and our most common locked at 9.9%APR. You also won't see the fees that other places have or worry about confusing fine print in your agreement.
- No Balance Transfer Fees
- No International Conversion Fees
- No Over-Limit Fees
Easily one of the most underrated products, a secured credit card carries all of the benefits of a standard credit card. Basically, we secure the limit against a savings account here at the credit union (usually $300-$1000) and issue you a card. This card builds credit for students and those needing to repair their credit from past problems. There's almost nothing to worry about as far as fees go and you don't pay interest if you pay the balance off in full each month.Close
Similar to the credit builder credit card, the student Platinum is meant for families to help build credit and understanding for young adults in a more controlled system. A student or family member can place a small amount into a savings account (usually $300-$500) which is then locked down and issued as a line of credit. The student can then use the card as normal while enjoying an incredibly low interest rate. Moreover, if paid off monthly and on time, no purchase interest will accrue. Through regular, on-time payments the student credit card is building credit history that can result in lower rates on future loans. Close
Forms, Important Information, and More
For the most part, all credit cards are pretty straightforward, but there are details that you should be aware of. Please take a moment to review the credit card disclosures when opening your account or request a new one. Conditions, restrictions and credit approval apply to all products. APR= Annual Percentage Rate.