Arsenal Credit Union offers both fixed-rate and variable-rate VISA^® credit cards.

Please view our credit carddisclosure then complete the online application.

Our credit cards come with the following benefits:

• Rewards points – Each time you make a 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 7.75% 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
• 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

• Advantage Point and share-secured options available

• Prime rate plus 4.50% (cap 18.90% APR)
• Variable rate adjusts monthly

ACU VISA credit card agreement

Credit card users: Protect your credit card online for free with Verified by VISA. (Even if you don't shop online, someone else can if they get a hold of your card number.) You can also protect your ACU debit card online. (Note: The links above are different. Please use the link that references your card type to properly register your card.)

Current Arsenal VISA credit card holders: If you lost your card or believe it has been stolen, call us at 314.962.6363 during normal business hours (8-6 Monday-Friday, 8-noon on Saturday), or 866.820.3035 before/after business hours.

• Nine big credit card myths
• Your credit score
• Managing your debts: how to regain financial health
• Nine card tricks that raise rates
1. Credit card interest rates and late fees
2. The impact of cash advances
• Credit card payoff calculator
• Credit management coach* *The Credit Union National Association recently won the Association for Financial Counseling and Planning Education’s 2008 Outstanding Consumer Financial Information Award for this and several other online financial literacy products.
• Should you sign the back of your card?
• Avoiding Credit & Charge Card Fraud
• The True Cost of Credit
• For a library full of financial information, visit MEMBERS Financial Network.
• Check your credit report for accuracy to get the best rate. Go to www.annualcreditreport.com or call 1.877.322.8228; reports are free to all residents of the U.S. and its territories.