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Rates & Fees

Credit Card

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

* Subject to approval
* APR determined by credit score
* Rates depicted 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 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

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

    You may access www.ezcardinfo.com 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.

  • Can I pay my credit card bill online?

    Yes, you can either transfer money within your Acadia online banking profile (either online or through our mobile app, AcadiaGO) from your checking or savings to the credit card. You can also access your Acadia credit card online to view your statements, make payments, and much more.

  • ​Who do I call if my credit card is lost or stolen?

    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.

Need help? Send us a message.

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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