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Your Rewards Are Here


APCO Employees Credit Union Visa® Platinum Rewards Credit Card or the Visa Signature Rewards Credit Card

Platinum and Signature Visa Credit Cards

APCO Employees Credit Union is excited to announce improvements to our credit card program, including enhanced rewards options, a new online site to view your account, a new credit card design, instant card re-issue, and electronic statement availability.

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

Members can simply download an application and solicitation disclosure. Then complete the form, sign it, and mail or bring it to your local branch. Or stop by any of our branches for assistance.

If you have any questions, you may contact us, or you may contact our Call Center at 205-226-6800 or 1-800-249-2726.

Quick Links

Click here if you have lost your Visa Rewards Card
Click here to download an application
Click here for a Balance Transfer Authorization Form
Click here to request a Credit Limit Increase

Your new Visa Rewards credit card has the following new features:

Rewards Program

Membership in uChoose Rewards® is free as part of your APCO Employees Credit Union credit card plan. uChoose Rewards allows you to redeem points on your credit card purchases to use toward cash, shopping, travel, event tickets, gift cards and more.

After you register your card, you will start earning points the first time you make a transaction with your new credit card. You’ll earn 1.75% on every $1.00 you spend. Plus, you can earn additional points by shopping in-store or online with participating retailers.

Rewards do not apply for cash advances or balance transfers.
A list of participating retailers can be found at uchooserewards.com.

You can access the history of your point activity through uchooserewards.com. You may also log-in by clicking the eCS and uChoose Rewards link inside your Credit Union’s online banking. There you can keep track of the points you’ve earned, and then shop the online rewards catalog when you’re ready to redeem. A Wish List Tracker is also available to notify you when you’ve earned enough points to redeem a specific item.

It can take up to 40 days for your points to be credited to your account. You must first accumulate 1,500 points before you can redeem them.

24/7 Cardholder Service

APCOECU Visa Platinum Rewards Credit CardVisa Platinum Rewards Card
For a lost or stolen card, balance inquiries, payment information, transaction history, statement requests or to dispute a charge within the United States, call 888-999-0127. For international service, please call 531-233-6346.

APCOECU Visa Signature Rewards Credit CardVisa Signature Rewards Card
For a lost or stolen card, balance inquiries, payment information, transaction history, statement requests or to dispute a charge within the United States, call 888-999-1136. For international service, please call 531-233-6364.

eCS Customer Service

eCS offers real-time credit card information, including transactions, pending activity, payment information and custom email alerts. Plus, you are able to sign up for electronic statements when you log into your account through your Credit Union’s online banking at apcocu.org.

EMV Chip Technology

EMV stands for Europay, Mastercard® and Visa®. EMV chip technology is becoming the global standard for credit card and debit card payments. This smart chip technology features credit cards with embedded chips that will help increase security and reduce fraud. This standard has many names worldwide and may also be referred to as: “chip and signature.” This means your card may be used everywhere Visa is accepted.

Here are additional services you can expect with your Visa Platinum or Visa Signature Credit Card

Visa Purchase Alerts

Set a dollar amount and if a transaction meets or exceeds that dollar amount you will automatically be notified of phone or internet transactions and international transactions.

Register for Visa Purchase Alerts

Apple Pay

Apple Pay(TM) transactions using Apple devices are authorized with TouchID(TM) thumbprint security or your passcode, and transactions never use your Card number. Click here for a list of Apple Pay merchants.

How to Set Up Apple Pay

Samsung Pay

Credit cardholders, with an eligible Samsung device with the Samsung Pay app, can make transactions with their device using Samsung Pay. Samsung Pay is accepted by most merchants.

Learn More About SAmsung Pay

Interest Rates and Interest Charges

Type

Description

ANNUAL PERCENTAGE RATE (APR) for purchases 10.00%, 11.25%, 14.25%, 16.25%, or 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers 10.00%, 11.25%, 14.25%, 16.25%, or 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 10.00%, 11.25%, 14.25%, 16.25%, or 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies None
Paying Interest We will begin charging you interest on purchases on the transaction date.
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

Disclosure of Fees

  Type of Fee

Rate / Amount

Annual Fee None
Balance Transfer Fee None
Cash Advance Fee $3.00 or 1.00% of the amount of each cash advance, whichever is greater.
Foreign Transactions Fee 1.00% of each transaction in U.S. dollars
Late Payment Fee Up to $35.00
Return Payment Fee Up to $15.00
  Other Fees and Disclosures
Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge) $3.00 or 1.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee $15.00 or the amount of the required minimum payment, whichever is less.
Document Copy Fee $10.00
Emergency Card Replacement Fee $25.00
Rush Fee $25.00
Statement Copy Fee $10.00

All fees are subject to change without notice.

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”

Effective Date:
The information about the costs of the card described in this application is accurate as of: July 13, 2020.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the APCO Visa is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.