woman online shopping at cafe
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

friends shopping online

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 will give you what you really need – 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.

Recent Blog Posts

Atm Safety Tips graphic

ATM Safety Tips

Using an ATM has become a routine event for most consumers. The familiarity of the task can cause people to lose the sense of caution that normally accompanies handling cash. Take a look at this blog post for some tips to keep you and your information safe. Continue reading
Young girl in velvet chair with play money

Managing Your Money Just Got Easier

Money management can be hard...BUT MX Money Management makes it so much easier. It is free, intuitive, and ready for you to access on your preferred digital banking platform. Set goals and achieve them with MX Money Management. There's no day like today to start planning for your future. Continue reading
Young family

The World of Marriage, Kids and Money

If you’re a young parent drowning in debt, or anyone else trying to navigate rough financial waters, check out Andy Hill’s Marriage, Kids and Money blog, podcast and online platforms. He focuses on achieving financial wellness while raising a family, and his advice is relatable to anyone. Continue reading

Get the credit you need

Apply in person
Apply online
Call for more information

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