Visa Credit Cards

BUNDLE UP Save Money with a 1.99% Via Balance Transfer. Transfer to your Visa and save 1/2/19 through 3/29/19. Terms and conditions apply.

Bundle Up Your Credit Card Debt and Save Money!

Are you overwhelmed with credit card bills? Show your holiday debt the door by moving your high- interest credit card balance to a lower interest rate credit card from your Credit Union.

Transfer Your Balance.
January 2, 2019 through March 29, 2019 you will have the opportunity to transfer your high-interest credit card debt to an APCO Visa Credit Card. Eligible applicants will receive a special, low 1.99% APR on all balance transfers.

The 1.99% balance transfer interest rate is good for six months, giving you the opportunity to pay off that debt at a MUCH lower interest rate than your current credit card offers. Paying off that debt at 1.99% versus your current interest rate could save you hundreds of dollars or more in interest.

Did You Know?
Other financial institutions make balance transfer offers, but our balance transfer program is different and better:

We don’t charge a balance transfer fee. Most other financial institutions charge an average of 3%. That’s like paying a year’s worth of interest at 3% on your balance the day you transfer it.

Your monthly payment for the next six months will be applied to the transferred balance first. Many programs apply payments to new purchases at higher interest rates first. That costs you money.

If you do not pay off the balance transfer within six months, our standard 10.9% interest rate will be applied to the remaining balance. That rate beats most financial institutions.

Everyone gets the same balance transfer rate option.

New and Existing Accounts.
The balance transfer option is available to all eligible APCO Employees Credit Union members. If you already have an APCO Visa Credit Card, simply contact us to set up the balance transfer. If you do not have an APCO Visa Credit Card, contact us to begin the application process. Once your account is approved, we will help you set up your balance transfer.
After the six month balance transfer promotion ends, your APCO Visa will continue to save you money. Benefits of using an APCO Visa include:

  • 10.9% APR
  • No annual fee
  • 1% cash back reward on all purchases
  • A 25 day grace period on all purchases

Visit a branch or give us a call to transfer your balance today.

Must meet membership and credit requirements. The promotional rate will convert to the standard rate of 10.90% at the end of the six (6) month promotional period. Offer applies to non-APCO Employees Credit Union credit card balance transfers only. Offer valid 1/2/19 thru 3/29/19. For terms and conditions, see an APCO Employees Credit Union loan counselor. Your savings are federally insured to at least $250,000 and backed by the full faith of the United States Government. NCUA, National Credit Union Administration, a U.S. Government Agency. Equal Housing Opportunity Lender.


APCO Platinum Visa

Carry the power card. Only one card gives you the kind of power you can use worldwide… and fits in the palm of your hand. The APCO Visa costs less than other credit cards. Look:

  • Only 10.9% APR. And we don’t raise your rate whenever there’s a day of the week that ends in Y.
  • No annual fee.
  • A 25 day grace period on purchases. That’s like getting a free loan.
  • 1% Cash back reward.

A brilliant move

Our Visa is the most accepted credit card worldwide. That means you can use it with confidence anywhere you shop, dine or travel.

Now is the perfect time to get an APCO Visa. Our low 10.9% interest rate means you can enjoy its power for less.

Apply today

Prove it to yourself by comparing your present card to ours. Look at the interest rate, annual fee and grace period. We treat you best by saving you money.

Start getting more for your money in credit card services by applying for your APCO Visa. Stop by or call one of our offices today!

Lost or Stolen

After hours lost or stolen credit cards, call 1-800-991-4961.


  1. Download the application below
  2. Complete the application
  3. Mail or bring application into your local APCO office


APCO Platinum Visa Application

Balance Transfer Authorization Form

Request A Credit Limit Increase


Disclosure of Fees

Interest Rates and Interest Charges
ANNUAL PERCENTAGE RATE (APR) for purchases 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
APR for Balance Transfers 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
APR for Cash Advances 10.9% Your APR will not vary in relation to an index. However, all terms of your Visa Card Agreement are subject to change with 45 days prior notice.
How To Avoid Paying Interest on Purchases You can avoid interest on purchases billed during the cycle by paying the full amount of the new balance of purchases within 25 days of your statement closing date.
Minimum Payment 2% of your total new balance or $20.00, whichever is greater.
For Credit Card Tips From The Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee None
Cash Advances Fee 1% of amount of cash advance but not less than $3
Balance Transfer Fees None
Foreign Transactions Fee 1%
Late Payment Fee Up to $35
Over the Limit Fee None
Statement Replacement Fee $10
Visa Draft Replacement Fee $10
Return Payment Fee $15

How We Will Calculate Your Balance. We use a method called the average daily balance, including new purchases.

Cash Back – 1% of all purchases. No cash back for closed or delinquent accounts.

Information about consumers’ right to dispute transactions included in account opening disclosures.

All terms of your Credit Card Agreement are subject to change with 45 days prior notice. The information about the costs of the card described in this application is accurate as of September 1, 2017. This information may have changed after that date. To find out what may have changed, write to us at APCO EMPLOYEES CREDIT UNION, 750 17TH STREET NORTH, BIRMINGHAM, ALABAMA, 35203 or call (205) 226-6800.


You are leaving APCO Employees Credit Union's website, and entering an online community website. The privacy and security policies of the site you are about to enter may differ from those practiced by APCO Employees Credit Union. APCO does not represent either the third party or you if the two of you enter into a transaction.