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Get Smart with Your Money

Academic FCU Visa® credit cards are already a super smart way to manage your money with rates as low as 10.9% APR. That’s way lower than the industry average. Plus, there are a long list of benefits already included with every card:

• No Annual Fees
• No Cash Advance Fees
• Scorecard Rewards Availability

Test Your Credit Card’s IQ (Interest Quotient)

At Academic FCU, our credit card rates are fixed instead of variable. It’s a financial benefit you can count on, month after month and purchase after purchase. So, how does your current card stack up to our line of smarter cards? Compare their variable rates with our fixed options.

Credit Card Interest Rate

Monthly Payment
(with a $5,000 balance
and term of 24 months)

Total interest charges
Average Variable Rate Cards 16.35% APR $245.65+ $895.66+
Visa Platinum Credit Card 10.9% APR $232.81 $587.37
Visa Gold Credit Card 12.4% APR $236.30 $671.26
Visa Classic Credit Card 15.4% APR $243.38 $841.23
Visa Secured (credit builder) 10.9% APR $232.81 $587.37


Get Smart with Your Money
Give us a call at (914) 923-3608, email us at afcu@academicfcu.org or stop by the branch and we’ll help you find the right credit card for your financial life.

*APR = Annual Percentage Rate. These cards have great rates and no annual fees (see rates for details). All of Academic FCU’s Visa cards, except for the secured card, have a wide variety of benefits including Scorecard Reward Points (click here to see rewards). Travel and Accident insurance up to $500,000, as well as Travel and Emergency Services are also benefits of our VISA cards. The emergency services include: ticket replacement services, pet housing and/or pet return, translation services and assistance, and transportation assistance. Travel services are: legal referral assistance, lost luggage locator assistance, medical referral assistance, partner program discounts, personal travel agent service, prescription assistance and valuable document delivery assistance, pre-trip assistance and replacement of corrective lenses and medical devices. These services are available to you 24 hours a day, 365 days a year just call toll-free to 877-860-1099. These services are accessible worldwide by calling 415-352-2160. Your card also has Warranty services including extended warranty, warranty registration and extended service agreements. The Academic FCU Visa also has a wide variety of payment options. You can make your payment directly to Visa via the mail or at the credit union. You also have the ability to have the payment taken directly from your share account, with the option to make a minimum payment, pay a specific percentage or pay in full each month. Another great option is online access through www.EZCardInfo.com. This site will let you make payments, check transactions and available credit as well as other valuable tools in tracking your Visa usage. There is also a toll free customer service number available to answer questions about your Academic FCU Visa Card 365 days a year, 24 hours a day, 7 days a week. You can verify your most recent activity, see if payments were credited, check available credit limit and report your card lost or stolen. That number is 1-800-299-9842. Your Academic FCU Visa card is now equipped with Verified by Visa. The Verified by VISA password protects your card for free. Register your card now and it will protect you at every participating online store, so only you can use your card. Visa cardholders are now able to conveniently change their PIN number via telephone by calling a toll-free number (866)297-3408. (Please note cardholder must know current pin number in order to change the pin number). Click here to go to our easy to use online loan application to apply for your Academic FCU Visa today.