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 more info
  • Balance Transfers for Life: Just 4.99% APR* more info
  • 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 Annual Percentage Rate (APR) for the Classic Visa and Savings Secured Classic Visa is Prime + 3.74%, with a minimum rate of 6.49%. The APR for the Rewards Visa and Savings Secured Rewards Visa is Prime + 6.74%, with a minimum rate of 9.49%. These rates may vary monthly and are based on the highest Prime Rate as published in the Wall Street Journal on the last day of each month, effective the following day. APL FCU’s Visa cards will never exceed the maximum rate permitted under the Federal Credit Union Act, which is currently 18.00%.

* Cash advances are 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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