Credit Cards

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Cards for Every Lifestyle

We offer a variety of benefits including points, cash back and low rates. To enhance your checkout experience, our contactless cards are integrated with Apple Pay®, FitBit Pay, Garmin Pay, Google Pay, Samsung Pay® and Visa Click to Pay®.

Feel secure with enhanced fraud protection: covered with Visa’s Zero Liability Policy if your card is ever lost, stolen or fraudulently used. When you activate Verified by Visa you’ll enjoy an extra layer of security when shopping online. Plus, using Tap & Go or the embedded chip provides a dynamic encryption, protecting your information.

All Apple Credit Cards Feature

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No Annual Fee

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No Balance Transfer Fee*

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Rates Below 18.00% APR**

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Tap & Go Contactless Purchases

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Visa Shopping Discounts

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Digital
Card Management

*Balance Transfer Fees may apply during promotions.
** APR = Annual Percentage Rate. Rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases.

Signature Rewards

Signature Rewards Credit Card Image

Features

  • 3X Points on Gas
  • 2X Points on Groceries
  • 1 Point on Everything Else
  • Credit Lines up to $50,000
  • Complimentary 24-hour Visa® Signature Concierge Service
  • Redeem points for cash, gift cards, travel and more
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.

My Rewards

My Rewards Credit Card Image

Features

  • 3X Points on Gas
  • 2X Points on Groceries
  • 1 Point on Everything Else
  • Credit Lines up to $5,000
  • Redeem points for cash, gift cards, travel and more
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.

Platinum

Platinum Credit Card Image

Features

  • Low, variable rate
  • Credit Lines up to $35,000
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.

Educator±

Educator Credit Card Image

Features

  • Created exclusively for educators
  • Credit Lines up to $35,000
  • Low Introductory Rates2
  • No Payments During Summer Months3
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
23.99% Introductory APR on purchases only for qualifying members, for a period of 12 months. After that, or if you do not qualify for the Introductory APR, your APR will be changed based on your creditworthiness. APR varies with the market based on the Prime Rate and is subject to change daily. To see the current available rates, please view the Educator Visa disclosure.
3Interest will continue to accrue.
±Educator Visa Eligibility: Applicants must be currently employed by an Apple Federal Credit Union Select Employee Group School System: Clarke County, Fairfax, Falls Church, Frederick County, Loudoun County, Manassas City, Manassas Park, Prince William and Stafford AND have a minimum $500 Direct Deposit.

Student

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Features

  • For members, ages 18 to 252
  • Credit Lines up to $1,500
  • Fixed-Rate
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.
2Members may retain the card for six (6) years or until age 25, whichever comes first. Members under age 21 are federally required to have a cosigner (must be 21 years of age or older).

Credit Builder

Credit Builder Credit Card Image

Features

  • Secured Credit up to $5,000
  • Help establish or to rebuild credit
  • Deposit $250 - $5,000 into your Savings Account and that amount becomes your credit limit
1APR = Annual Percentage Rate. As of date 08/02/2022 rates are based on an evaluation of applicant credit. Your actual APR will be disclosed at the time of credit approval. Not all applicants will qualify for the lowest rate. Credit Card rates apply to cash advances, balance transfers and outstanding balances on purchases. Foreign Transaction Fee is 1.00% of each transaction in U.S. dollars.

Transfer High-Rate Balances

We make it easy:

  • Apply

    Don't have an Apple Visa? Request a transfer during the application process.
  • Transfer

    Use Card Manager in Apple FCU Online or Mobile, or call 866-820-3867, to transfer to your existing Card.
  • Manage

    Manage your card in Apple FCU Online or our Mobile App!

Apply

Don't have an Apple Visa? Request a transfer during the application process.

Transfer

Use Card Manager in Apple FCU Online or Mobile, or call 866-820-3867, to transfer to your existing Card.

Manage

Manage your card in Apple FCU Online or our Mobile App!

Helpful Resources

We REALLY Love our Members

When you close on a qualifying loan, you'll be entered to win a Salamander Spa Experience.*

Transfer & Win

Make a Credit Card/Loan payment or schedule a transfer and you could win $200!*

We're Giving Away $1,500 in Gas*

Get pre-qualified for an Auto Loan, Credit Card or Personal Loan and fill up on us!

Free Credit Review*

Let's see if we can save you money and improve your score!

Calculators

Calculate potential payments for your loan.

SavvyMoney

Enjoy a free and anonymous financial analysis to discover the personal action strategies you need to help keep your finances moving forward.

Videos

We regularly update our video library with financial education resources, community engagement and more!

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