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Secured Mastercard

The ACU of Texas Secured MasterCard® is designed to help build or rebuild credit and has low purchase rate and annual fees, and can be used anywhere MasterCard® is accepted.

View our Credit Card Payoff Calculator, view the Credit Card Agreement, to learn about Fraud Alerts or apply for a credit card, now!

MasterCard® SecureCode™
MasterCard® SecureCode™ is a service from MasterCard® and ACU of Texas that provides an additional level of security for your transactions when you shop online. Enroll in MasterCard® SecureCode™. Please have your credit card handy as you will be asked for information that appears on your card. 

After you’ve registered your ACU of Texas Credit Card and created a MasterCard® SecureCode™, each time you initiate a purchase at participating SecureCode™ online merchants, a window will pop up asking for your SecureCode™. This is similar to using a Personal Identification (PIN) at the ATM. When you correctly enter your SecureCode™, your transaction information is confirmed and your purchase is completed. Once an ACU of Texas Credit card is registered with SecureCode™, if no code is entered or an incorrect code is entered, the transaction will not go through at registered SecureCode™ online merchants.

Credit Card Payment Address
P.O. Box 660493, Dallas TX 75266-0493.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases


APR for Balance Transfers


APR for Cash Advances


Paying Interest
Your due date is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases if You pay Your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.


Annual Fee


Transaction Fees

Cash Advance Fee

$2.00 or 2.00% of the amount of each cash advance, whichever is greater

Foreign Transaction Fee

1.00% of the each transaction in U.S. dollars

Penalty Fees

Late Payment Fee

Up to $20.00

Returned Payment Fee

Up to $20.00

How We Will Calculate Your Balance:

We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details.

Billing Rights:

Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement.

Military Lending Act Disclosures:

Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).

Please call us at 800-848-0330 to receive oral disclosures of the Military Lending Act disclosure above and a description of the payment obligation.

Missouri Fee Notice:

Credit card fees are governed by §408.140 of the Missouri Revised Statutes.

Other Fees & Disclosures:

The following fees do not apply to borrowers in the State of Missouri: Account Set-up Fee, Program Fee, Participation Fee, Additional Card Fee, Application Fee, Balance Transfer Fee, Transaction Fee for Purchases, Foreign Transaction Fee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Copy Fee, Rush Fee, Emergency Card Replacement Fee, PIN Replacement Fee, Card Replacement Fee, Unreturned Card Fee, and Pay-by-Phone Fee.

Late Payment Fee:

5.00% of the amount of the required minimum payment, if You are 10 or more days late in making a payment. However, the fee will not exceed $20.00. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure.

Annual Fee:

$20.00. If Your Account is subject to an Annual Fee, the fee will be charged to Your Account upon the issuance of Your Card. Each year following, the Annual Fee will be charged to Your Account during the same month that You Were first charged the fee. The fee will be charged each year until Your Account is closed and paid in full.

Cash Advance Fee (Finance Charge):

$2.00 or 2.00% of the amount of each cash advance, whichever is greater. If Your Account is subject to a Cash Advance Fee (finance charge), the fee will be charged to Your Account when You obtain a cash advance from an ATM, the Credit Union or other financial institution.

Returned Payment Fee:

$20.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.

Card Replacement Fee:

$5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is issued to You for any reason.

Document Copy Fee:

$6.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error made by the Credit Union).

Collection Costs:

You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable attorney's fees.

Periodic Rates:

The Purchase APR is 18.00% which is a daily periodic rate of 0.0493%.
The Balance Transfer APR is 18.00% which is a daily periodic rate of 0.0493%.
The Cash Advance APR is 18.00% which is a daily periodic rate of 0.0493%.

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