Credit Cards
ACU Visa® Platinum & Platinum Rewards Credit Card Application & Solicitation Disclosure
Platinum | Platinum Rewards | Print a Balance Transfer Form | Payment Options | Agreement
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Interest Rates and Interest Charges |
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Platinum |
Platinum Rewards |
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Annual Percentage Rate (APR) for Purchases |
11.90%-20.90%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
14.90%-23.90%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. |
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APR for Cash Advances |
Your APR will be 11.90%-20.90% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. There is no grace period for cash advances. |
Your APR will be 14.90%-23.90% based on your creditworthiness. This APR will vary with the market based on the US Prime Rate. |
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APR for Balance Transfers |
0.00% Introductory APR for a period of 12 billing cycles. |
0.00% Introductory APR for a period of 12 billing cycles. |
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Minimum Interest Charge |
If you are charged interest, the charge will be no less than $0.50. |
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How to Avoid Paying Interest on Purchases |
Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. |
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For Credit Card Tips from the Federal Reserve Board |
To learn more about the factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. |
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Fees |
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Transaction Fees
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Penalty Fees
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Up to $25.00 |
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How We Will Calculate Your Balance
We use a method called “average daily balance (including new purchases).”
Balance Transfer Introductory APR:
Any existing balances on Abri Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date
The information about the costs of the card described in this application is accurate as of July 1, 2023. This information may have changed after that date. To find out what may have changed, contact us at 866-I-OWN-ACU or visit abricu.com.
For California Borrowers, the Visa Platinum and Visa Platinum Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Balance Transfer Fee (Finance Charge):
3.00% of each balance transfer.
Cash Advance Fee (Finance Charge):
1.50% of each cash advance (Maximum Fee: $50.00).
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$10.00.
Rush Fee:
$35.00.
Statement Copy Fee:
$5.00.
