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Special Announcement:

Explore our credit cards options:

Select Mastercard

A rewards card designed for members who typically don't carry a balance month to month.

  • Earn unlimited 2% cash back with every purchase. Plus, for the first three cycles, earn 4% cash back!*
  • Variable rate
  • No annual fee
  • Convenient online account management through Digital Banking

Earn 2% cash back* with the ACU of Texas Select Mastercard® by registering in Online Banking. Once your card is issued, log in to Online Banking and select your Credit Card from the list of accounts. From the "Details and Settings" tab, launch the CU Cashback Mall page to check the status of your points or redeem points earned for cash back.

*Bonus program will be implemented to award an additional 2% on all retail purchases up to $5,000.00 in purchases ($100.00 rebate bonus earned) for accounts opened 6/1/2020 (and after) and within 90 days as well as accounts upgraded 6/1/2020 (and after) and within 90 days. Maximum amount that can be earned with this program is $100.00.

Members earn 2% cash back on purchases, which can be used for a cash deposit to their account or payment toward their Mastercard. Members will visit cucashbackmall.com to redeem.

Platinum Mastercard

Take advantage of a no hassle credit card you can trust! The ACU of Texas Mastercard® offers a non-variable rate and no annual fee. Apply now and transfer higher interest balances to your new ACU of Texas Mastercard® and start saving money today.

A great option for members who carry a balance and want to enjoy low rates on everyday purchases.

  • Low, non-variable rate
  • No annual fee

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.

Perfect for members who want to establish or rebuild their credit.

  • Low annual fee1
  • Non-variable rate

1Annual 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.

Credit cardholders will also enjoy the following features with their membership:

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.

Select Mastercard

*Bonus program will be implemented to award an additional 2% on all retail purchases up to $5,000.00 in purchases ($100.00 rebate bonus earned) for new accounts as well as accounts upgraded. Maximum amount that can be earned with this program is $100.00. Membership requires savings account with minimum balance of $1. Select Card is subject to credit approval. Variable Rate Account. The Base Rate equals Prime Rate plus 8.0% and will vary with the market based on the Prime Rate. Actual rate based on creditworthiness. Rate is subject to change.

 

Secured Mastercard

1Annual 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.

 

Select, Platinum and Secured Mastercard

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See Your Account Agreement for more details.

Late Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a payment. 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.

Cash Advance Fee (Finance Charge): $5.00 or 3.00% 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: $25.00 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.

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%.

 

APR = Annual Percentage Rate

ACU of Texas Secured Mastercard® requires membership with an approved checking account with ACU of Texas. Membership requires savings account with minimum balance of $1. Federally insured by NCUA. Equal Housing Lender.

All Mastercard credit cards offer Mastercard ID Theft Protection, Mastercard Global Service, Mastercard Airport Concierge and Account and Billing Information.

Join The CU That Cares

When you become an Associated Credit Union of Texas member, you become part of everything we do to improve the quality of life in our community.

Last year, we provided $5,923,116 in savings to our members, saving each household approximately $281.

Let's Hear From #happyACUTXmembers!

Abdias's story about mobile banking

This app has so many convenient features, I'm sure I have barely scratched the surface of what it can do.
Abdias – Member

Skip The Line!

Mobile Access to your Accounts Anytime, Anywhere!

Easy Access on the Go
  • Log In Fast
  • Manage It All
  • Deposit From Anywhere
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The ACU of Texas Mobile app allows you to view your transaction history and account balances, pay bills, make transfers and locate our nearest ATMs and branches!

  • Download on the App Store
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