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Credit Cards

Arsenal Visa® credit cards now feature built-in chip (EMV) technology! We started issuing these cards in August 2015, starting with members who had cards with approaching expiration dates. All new cards being issued by us have this technology, and by year-end 2016, all credit cardholders at Arsenal will have a chip card.

The cards are globally accepted and provide an enhanced level of security. Whenever the card is used at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud. If a merchant is not yet chip-activated, you can continue to swipe your card. Paying at the terminal with a chip card will be a little different but just as easy as using a magnetic stripe card. Follow these three simple steps.

Learn more about EMV cards here.

Arsenal Credit Union offers both fixed-rate and variable-rate Visa® credit cards. Our credit cards come with the following benefits:

  • Rewards points — Each time you make aCU Rewards purchase with your ACU credit card, you'll earn points which can be redeemed for travel, electronics, entertainment, and more. See what you can earn and track your points here.
  • Annual percentage rates (APRs) as low as 8.25% on variable-rate cards and 9.90% on fixed-rate cards
  • No minimum finance charge
  • No transaction fees for purchases
  • No cash advance fees
  • No balance transfer fees
  • No penalty rates
  • No monthly or annual fees
  • 25-day grace period
  • 24-hour account information by phone with Visa Audio Response Unit
  • 24-hour account information online through AccessPoint Internet Account Access
  • Complete control of your card
    • Set up alerts and controls for customized transaction authorizations and set up restrictions on card use. Receive a text or email notification for all types of use, such as purchases over a certain dollar amount, online purchases and nearing your credit line. You can also perform actions such as locking your card and limiting purchases to a time range for the utmost security.
  • Online protection with Verified by Visa
  • Auto rental insurance
  • Warranty manager service
  • Travel and emergency assistance
  • 90-day product registration
  • Payment card protection
  • Travel reservation service

Please view our credit card agreement and disclosure, then complete the online application.

We encourage our cardholders to sign up for and receive eStatements for their credit card rather than traditional paper statements in the mail because of the greater security and quicker account access they provide, not to mention less clutter and being more environmentally friendly. It’s easy and quick to sign up for Visa credit card eStatements. Click here for directions.


Current Arsenal Visa credit card holders: If you lost your card or believe it has been stolen, call Visa at 1.800.449.7728.


Visa Security


Check out our online financial education hub for a variety of helpful resources.


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