Simplicity in Lending

Open to All of Colorado

Credit Card Application

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

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Credit Card
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ACU's Platinum credit card is meant to be simple and take a bit of financial complication out of your lives. We maintain one of the nation's lowest rates and have no hidden fees. It's as straight forward as they get. Close

Credit builder

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Secured Credit Card
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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 (Starting at $300) 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

student credit card

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Student Credit Card
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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 (Starting at $300) 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

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Disclaimers

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.

Live Your Lifestyle

We all want to live our own way.  It's important that we do it the right way.   Arapahoe CU looks to help.

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Colorado Referral Rewards
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