Category Archives: Credit Union

Alabama Credit Union Mastercard

Bama Credit Card

Save on a balance transfer with a new Bama Mastercard  offering an introductory 0.9% APR good for 12 months.

Or go for the no-frills Traditions Mastercard with its low APR of 8.99% to 12.99% on a continuing basis.

The Bama card features cash back on purchases, while Traditions card gives a better rate for card holders who decide to carry a monthly balance. Otherwise both cards very similar benefits and features. You compare the two versions HERE, along with the Secured and Student versions.

BENEFITS AND FEATURES

You don’t pay for hidden fees such annual fees or balance transfers, because the Alabama Credit Union doesn’t charge its members for credit card expenses such as:

  • NO annual fee
  • NO balance transfer
  • NO cash advance fee
  • NO interest charges on purchases on statements paid in full

Fees and rates are available as a disclosures pdf file.

MASTERCARD BENEFITS

Card holders get the full benefits which Mastercard is well-known for, such as:

  • Cell Phone Protection
  • Identity Theft Resolution Services
  • Extended Warranty
  • Zero Liability Protection
  • Auto Rental Insurance
  • MasterCard Airport ConciergeTM
  • MasterCard® SecureCodeTM
  • MasterCard Global ServiceTM

For a more detailed explanation and guide visit Mastercard Guide To Benefits.

MEMBERSHIP

If you’re interested about applying for the card, you must first become a member of the Alabama Credit Union as explained here.

For people outside of the local field of membership, joining the wonderful Secret Meals Association by filling out its membership application would qualify you for the credit card. Donations are tax-deductible and the entire amount benefits the children per its website.

“Checks made out to Secret Meals or Alabama Credit Union Foundation, Inc., are tax deductible to the fullest extent of the law. Please check with your tax consultant.”

“To allow as many children to receive food packs as possible, Alabama Credit Union provides all promotional and operational funding for the Secret Meals program, meaning 100 percent of every penny donated goes toward the purchase of food packs.”

CONTACT INFO

To find out more about membership and joining contact their Member Care Center at 888.817.2002 or complete their online form.

Apple Federal Credit Union

Apple Federal Credit Union

Apple Federal Credit Union offers its members up to a $35,000 credit line.

Join Apple FCU to enjoy the benefits of a credit union by meeting these criteria.

Apple FCU offers several credit cards, but they all share these common benefits:

  • No annual fee
  • No cash advance, balance transfer, or foreign transaction fees
  • Design your card feature with photos or your favorite persona
  • Visa shopping discounts
  • Online & mobile payments and history
  • Rates never higher than 18% APR
  • Free auto rental insurance, travel assistance services, etc.
  • $1,000,000 Travel Accident Insurance
  • Annual Summary of Purchases
  • Visa Zero Liability guarantee

Here are some of the choices available to members:

Apple FCU Visa Signature credit card

Visa Signature Card
Earn 3x points on gas, 2x points on groceries, and 1 point elsewhere per dollar charged. Credit lines up to $50,000. Plus exclusive features available only to Visa Signature cardholders.


Apple FCU myrewards credit card

Rewards Visa Card
Earn 3x points on gas, 2x points on groceries and 1 point on on other charges per $1 spent. Redemption options include cash back, gift cards, travel, merchandise, and more. Credit lines up to $5,000.


Apple FCU Platinum Credit Card

Platinum Visa Card
No rewards, but get great a low (variable) rate and credit lines up to $35,000.


Apple FCU educator credit card

Educator Visa Card
Special introductory rates on charges in the first 12 months. Plus no payments due over the summer months. Credit lines up to $35,000.


For more information and application click here.