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Rates & Fees

Credit Card

APR* as low as Credit Limit**
10.90% $15,000

* Annual Percentage rate, subject to approval and determined by credit score
** Credit limit up to $15,000 for A and B credit; up to $10,000 for C and D credit
* 10.90% APR depicted here based on 'A' credit (maximum APR 15.90%)

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Format: 12M, 36M, 3Y, 7Y

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Even if you have a “D” credit rating and get approved for this credit card, the highest your interest rate will be is 15.9%—that’s much lower than “less than perfect credit” interest rates at most other financial institutions. We handle all of customer service issues are handled in-house rather than farm them out to distant call centers.

Our members get lots of chances to catch up. Once a year, we have a promotional period where we offer rock-bottom interest rates on new cards and balance transfers. Hundreds of members take advantage of this offer each year to help them make gains toward paying off old, high-interest debt. And we’ll never increase your interest rate because you were late on a payment.

Here are a few of the other features that set our credit card apart:

– Travel Accident Insurance up to $250,000 included at no cost
– Set up recurring payments through AutoPay/ACH distribution
– Access, monitor and make payments online
– Access your account and make payments through our online banking portal or our mobile app, AcadiaGO
– EMV Chip to help foil fraudsters
– Works with Apple Pay, Samsung Pay, Android Pay

Frequently Asked Questions

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My husband and I were stuck in a rut with our high-interest credit card. Over half of our monthly payment was being applied to interest since the rate was so high. Acadia FCU's credit card offered a rock-bottom interest rate and exceptional local service. We conducted a quick-and-easy balance transfer from our former credit card to the Acadia FCU Visa card and our balance is now dwindling away at a much more accelerated pace! Aubrie M., member since 2005

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