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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

  • How is a credit score calculated?

    Credit scores are calculated using many different pieces of credit data in your credit report.

    Payment History: 40% of your score is payment history – a snapshot of how well you’ve paid your bills on time. Consistently paying your bills on time is important.

    Credit Usage: 23% of your credit score is based on the amount of credit used out of the total credit available. Experts recommend using less than 30% of your total credit.

    Credit Age: 21% of your score is credit age. The longer your credit history, the better.

    Account Mix: 11% of your score is based on revolving credit (credit cards) and installment accounts (student loans, auto loans, mortgage).

    Inquiries: 5% of your score comes from “hard” inquiries, such as when you apply for a loan or credit card.

  • Can I pay my credit card online?

    You may access here to access your Acadia credit card history, statements, and payments.  You will need to create an account if you have not already done so.

  • Does Acadia have any loan offers or other promo or savings opportunities at this time?

    Check out this page to see what exciting specials or promotions Acadia has going on right now!

  • Is there a fee to replace my lost, stolen, or damaged debit or credit card?

    The first time a credit or debit card is lost or stolen, no replacement fee will be charged. After that one-time “free fee” is used, the card can be replaced and a fee will be assessed.

    If the credit or debit card has natural wear and tear and is no longer working, a replacement card can be issued upon member request. In such situations, we will assess the account and decide if fees are justified.

    Credit and debit cards replaced due to fraud or theft will be provided at no charge, except in instances of repeated occurrences. In such situations, we will assess the account and decide if fees are justified, plus offer the member suggestions on how to protect their card and account.

    There are no fees associated with debit and credit cards issued at renewal dates.

  • Where can I find Acadia’s disclosures or new account forms and applications?

    You can find all of Acadia’s important disclosures and various account applications right here.

  • Can I apply online for an Acadia Visa Credit Card?

    You sure can! Fill in an application right here.

  • My Acadia credit card (EZCard) has been lost or stolen. Who do I call for assistance?

    The number for lost or stolen CREDIT cards is 1-800-991-4961. If your DEBIT card is lost or stolen, please call 1-800-472-3272.

  • I am locked out of my EZCard credit card online account. What is the phone number to call for assistance?

    If you get locked out of and need help getting back in, please call 1-866-604-0380.

  • What is the EZ Card website to pay credit cards online?

    You may access to access your Acadia credit card history, statements, and payments. You will need to create an account if you have not already done so.

  • How do you protect against fraud?

    Breaches normally occur at the processor or store level, and we’re set up to protect you. All Acadia FCU members have 0% liability when it comes to fraudulent transactions. If a merchant is breached or compromised and your card info is stolen, you will never be left unprotected.

    If you see questionable transactions on your account, please report them to any of our branches right away. We maintain state-of-the-art fraud protection to guard our members’ personal information around the clock.

Need help? Send us a message.

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