Card Services

Credit Card

Think credit cards cost too much? Most do..but not our ACIPCO VISA. It costs less - much less - than most other credit cards. Just look:

Low 11.99 Annual Percentage Rate . Not 19 to 21 percent like many cards. We offer one of the lowest rates you'll find anywhere.

No Annual Fee. Most cards charge from $15 - $75 just for the "privilege" of having their card.

25-Day grace period on purchases . With a zero balance, you have up to 25 days to pay your purchases before interest is applied, and

Travel Insurance up to $250,000 when you use your VISA to purchase travel tickets.

Ordinary credit cards are available from most anywhere. But only your credit union offers the VISA that pictures ACIPCO on the front. We're proud of ACIPCO and its contributions to the Birmingham economy since 1905. ACIPCO is a special place, energized by special people. Don't you think that deserves a special card?

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Debit Card

Imagine no hassles of writing checks or searching for identification. You can leave your checkbook at home! Our VISA Debit Card offers convenience and freedom as it combines the features of a check with your ATM card at no cost to you. Here's how it works - when you are ready to make a purchase, it swipes through the scanner at the sales counter. Your purchase amount will be deducted electronically from your ACIPCO share draft (checking) account. You will sign the receipt as you do with a credit card, but without the fees and interest because you must have the money in your account before you spend it.

It works like an ATM card at any automated teller machine with the internationally popular VISA or STAR networks. You can get the cash you need with your personal identification number (PIN), and you only have to keep up with one card - it does it all! Visit the credit union to fill out an application and you can have the convenience of your Debit card and enjoy benefits like:

Can be used most anywhere VISA is accepted

Posts to your account electronically (most often real time)

Dual function card

No annual fee

ATM Card

ACIPCO Federal Credit Union also offers an ATM card that you can get on the spot when you open your share draft (checking)account. The ATM card can be used anywhere you see the STAR network logo to withdraw cash from your share or share draft account. If you use the ATM at the credit union there is no service charge at all applied to your account. The ATM card is also accepted for payment at some grocery stores and gas stations.

Ask the credit union to see which card is right for you!