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Credit Cards

At AOD Federal Credit Union, we offer some of the most cost-effective credit cards at some of the lowest rates available today. Choose our VISA Platinum and Share Secured VISA Platinum!

Disclaimer: Membership Required. $50 bonus will be deposited into members account within the 1st day of the following month after credit card approval. Dividend bonus of 0.50% will go into effect the month following credit card approval and remain in effect until 12/21/21. Current Annual Percentage Yield (APY) of share account is .25% APY as 1/1/2021. Rate subject to change. Promotion begins January 1, 2021 and ends March 31, 2021. Loans subject to credit approval.

SHARE SECURED VISA PLATINUM CARD

Features
 Credit Line Starting at $300
 No Annual Fee
 Fixed 7.20% APR
 1% CashBack on ALL Purchases
 Additional 1% CashBack Gas & Restaurants
 Rewards Automatically Posted
 Fraud Protection
 Same Rate for purchases and cash advances
 Great for Limited Credit History
 Have had past Credit Problems

VISA PLATINUM CARD

Features
 Credit Line Starting at $300
 No Annual Fee
 As Low As 8.49% APR
 1% CashBack on ALL Purchases
 Additional 1% CashBack Gas & Restaurants
 Rewards Automatically Posted
 Fraud Protection
 Same Rate for purchases and cash advances

SHARE SECURED VISA PLATINUM CARD

VISA PLATINUM
CARD

SIGNATURE VISA
CARD

Credit Line Starting at $300
No Annual Fee
1% Cash Back on ALL purchases
Additional 1% CashBack Gas & Restaurants
Rewards Automatically Posted
Fraud Protection
Same Rate for purchases and cash advances
Great for Limited Credit History
Have had past Credit Problems
Prime + 9.50% APR
3% cash back earned on the first $1,500.00 spent per cycle, 1% cash back earned on amounts over $1,500.00
Credit Line Starting at $5,000
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Drop-in and visit to open an account today.
Have questions? Simply contact us – we’re always happy to help!

24/7. Fast Approval. Easy Application.

Lost or Stolen Cards & Disclaimers

To report a lost or stolen AOD Federal Credit Union Visa credit card, please call (800) 654-7728. Please call as soon as you have determined that your card has been lost or stolen. This number may be called 24 hours a day 7 days a week.

* Subject to credit approval. Certain restrictions apply.
**Cash Back Rewards apply to purchases only. Cash Back Rewards do not apply to balance transfers or cash advances. Your Cash Back Rewards are automatically paid monthly as a credit on your card billing statement. Membership required. Loans subject to credit approval.

Terms & Conditions

See Full Terms & Conditions

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

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

Effective Date:
The information about the costs of the card described in this application is accurate as of: August 1st, 2024. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Fees & Disclosures:

Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.

Cash Advance Fee (Finance Charge): $5.00 or 1.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $25.00.

Returned Payment Fee: $21.00 or the amount of the required minimum payment, whichever is less.

Rush Fee: $15.00.

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