The Arizona Central Credit Union Visa Gold credit card is one of three personal credit cards offered by Arizona Central Credit Union. This card is a low interest credit card for members of this particular credit union.
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You do not have to live in Arizona to become a member of the Arizona Central Credit Union. However, you will want to check with the credit unions in your area to see if any of them are paired with this credit union as a sister credit union so that you can make transfers, deposits and withdrawals with ease.
Arizona Central Credit Union Visa Gold Overview
You cannot apply for this credit card online. As such, if you don’t live in Arizona, then you will have to call the branch and request an application be sent to you. In many cases, Arizona Central requires you to provide proof of income before qualifying you for this card.
The Arizona Central Credit Union was one of the few banks unfazed by the new laws instilled by the Federal Reserve System regarding credit cards. The reason for this is that credit unions in general do not kill their customers with a lot of fees and changing interest rates.
This is not a bad credit credit card. However, if you have some bumps on your older credit history (3+ years old), then you may be able to qualify if your other credit information and income checks out. You cannot have a bankruptcy or judgment and qualify for this credit card.
In addition, this is not a rewards credit card. You will not earn cash back or points when you use this card.
Arizona Central Credit Union Visa Gold Terms
The terms for this card include:
- No annual fee
- 10.90% APR not to exceed 14.9% APR based on your credit
- No balance transfer fee
- No cash advance fee
- No penalty APR
- Zero Liability Protection
- 25-day grace period for new purchases
- $25 late and returned payment fee
Arizona Central Credit Union Visa Gold Verdict
This card has excellent terms that you might want to take advantage of. However, you do need to be a member of this credit union to qualify for this card. What’s more, you cannot have fair or bad credit either.
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