Card Options

All APL FCU Visa Credit Card options include these benefits:

  • No Annual Fees
  • No Transaction Fees*
  • No Cash Advance Fees*
  • No Balance Transfer Fees*
  • Variable Interest Rates
  • 25-Day Grace Period on Purchases
  • Classic, Rewards and Secured Card Options
  • Free Travel Accident Coverage more info
  • Free Rental Car Coverage more info

The variable rate for APL FCU's Classic Visa and Savings Secured Classic Visa is subject to change on the first of each quarter. The Annual Percentage Rate is based on the prior quarter's average 6-month Treasury bill auction price, rounded up to the nearest half percent plus 7 percent. There is no minimum rate restriction, but a maximum rate of 18.00% applies. The Annual Percentage Rate for the UChoose Rewards Visa and UChoose Rewards Savings Secured Visa is Prime plus 9.50%. The rate may vary monthly and is based on the highest Prime Rate as published in the Wall Street Journal on the last day of each month, effective the following day.

* Cash advances available at any financial institution that displays the Visa logo, or through eBranch. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. Dollars. The conversion rate to dollars, plus up to a 1% International Service Assessment Fee (ISA) will be charged. The ISA is a fee charged by Visa International, Inc., not APL FCU. Balance transfers will not earn points and interest charges will start accruing immediately.

Approval is based on APL FCU Membership qualifications and being 18 years of age (17 year olds may apply with co-signer).

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