Please review the card information below to determine the card you wish to apply for and click "I Agree" at the bottom of the table to complete your online application.
Annual Percentage Rate (APR) for purchases
6.15%-14.15% 1
9.15%-17.15% 1
Other APRs
Cash Advance APR
6.15%-14.15%
6 Month Balance Transfer APR 3.99%2
After that 6.15%-14.15%
9.15%-17.15%
After that 9.15%-17.15%
Variable Rate Information
Your APR may vary. The rate for purchases, cash advances, and balance transfers after six months is determined monthly by adding 2.9%-10.9% to the Prime Rate3
Your APR may vary. The rate for purchases, cash advances, and balance transfers after six months is determined monthly by adding 5.9%-13.9% to the Prime Rate3
Grace period for repayment of the balances for purchases
25 days on average
Method of computing the balance for purchases
Average daily balance method (including new purchases)
Annual Fees
None
Minimum finance charge
$.50
Balance transfer fee
Transaction fee for cash advances
Late Payment fee
1.5% of the amount advanced
$25
1Rate based on applicant's credit score.
2Does not apply to existing ACU balances or convenience checks, must be $100 or more to qualify, and has no grace period on finance charges.
3The U.S. Prime Rate as published in the Wall Street Journal as of the last day of each month preceding each billing cycle (the "index").
