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Credit Cards

World Class Cards. Right Here at Home.

On hand when you need us


Our rates are awesome and our local staff handles your questions. What’s not to like?

 

Here’s the low down on our cards


Low rates and low fees to keep your budget on track. ATFCU offers four cards – Mastercard, Gold Mastercard, VISA and VISA Gold.

No matter which card you choose, you’ll find the following features:

  • No annual fee
  • 9.9% non-variable rate1
  • 1% balance transfer fee
  • $0 cash advance fee
  • 1% foreign currency fee
  • 25 day grace period on interest
  • $17 late fee

Gold cards offer credit lines of $7,000 to $20,000. Standard cards have credit lines of $500 to $7,000.

Apply Now

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A low interest rate matters. Not kidding.


Our card won’t cook you breakfast, give you cash back or provide hard-to-use points. Instead it gives you what you really need – lower monthly payments due to a lower interest rate.

  • Card Balance

    Card Balance

  • Desired Payoff Period

    Desired Payoff Period

  • Interest Rate

    Interest Rate

  • Monthly Payment

    Monthly Payment

  • Interest Charged over 60 months

    Interest Charged over 60 months

  • Total Paid over 60 months

    Total Paid over 60 months

ATFCU Gold Card

  • Card Balance

    $10,000

  • Desired Payoff Period

    60 Months

  • Interest Rate

    9.90%

  • Monthly Payment

    $212

  • Interest Charged over 60 months

    $2,719

  • Total Paid over 60 months

    $12,720

Average Interest Rate Card2

  • Card Balance

    $10,000

  • Desired Payoff Period

    60 Months

  • Interest Rate

    17.28%

  • Monthly Payment

    $250

  • Interest Charged over 60 months

    $5,002

  • Total Paid over 60 months

    $15,002

High Interest Rate Card2

  • Card Balance

    $10,000

  • Desired Payoff Period

    60 Months

  • Interest Rate

    24.99%

  • Monthly Payment

    $293

  • Interest Charged over 60 months

    $7,607

  • Total Paid over 60 months

    $17,607

Put our calculators to work


Picture your mailbox. Another day – another credit card offer, right? See how they stack up.

Credit Card FAQs


Please contact a loan officer in person or by phone to request a credit increase.

9.90%. While we cannot legally call this a fixed rate, it has not changed in the last 20 years. If you qualify for promotional rates, you will receive notice in the mail.

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Get the credit you need


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Disclosures

1 9.9% is the Annual Percentage Rate. It has not changed in the past 20 years.
2 As stated on wallethub.com on 10-5-2020