Associated Credit Union of Texas offers credit card choices to fit your lifestyle. Whether you want to pay off other high-interest credit cards, need flexibility for purchases or are simply looking to build credit, an ACU of Texas Mastercard can keep interest payments low and make purchases easy and rewarding. Our credit cards can help cover day to day expenses, as well as those financial surprises that pop up from time to time.
Select Mastercard
A rewards card designed for members who typically don't carry a balance month to month.
Platinum Mastercard
A great option for members who carry a balance and want to enjoy low rates on everyday purchases.
Secured Mastercard
Perfect for members who want to establish or rebuild their credit.
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.
You may think credit reports and scores don’t matter if you never want to borrow money, but you may not know that many people and businesses use these reports and scores.
When you owe someone money, you’re liable for paying the debt back and most of the time in the form of scheduled payments. Often you use money from your future income to make those payments.
Your membership in Benefits Plus® will reap rewards quickly, as you begin to save money on purchases for travel, groceries, restaurants, movies, prescriptions and much more.
