Credit union · NCUA insured
Advantage One Credit Union Credit Card Rates
Advantage One Credit Union credit cards start at 12.98% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Advantage One Credit Union’s credit card rates compare
Compared with banks and credit unions near Detroit, MI, where Advantage One Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Advantage One Credit Union
12.98%APR
Visa Platinum Rewards
Lowest rate
Construction Federal Credit Union
6.87%APR
2nd-lowest rate
Polish-American FCU
6.90%APR
Advantage One Credit Union credit card score
67
Credit card score
Higher than 20% of U.S. banks and credit unions
- Purchase APRPurchase APR12.98%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Advantage One Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Rewards
Limits up to $5,000. Membership in good standing required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.98% | None | Revolving term. APR as low as 12.98% (AOCU credit card APR ranges from 12.98% to 23.98% based on creditworthiness and credit scoring). Member must be in good standing. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on Balance Transfers for the first 12 months / 12 billing cycles with a 3% fee. When introductory rate ends, standard APR resumes (12.98%–23.98%). |
Sources (1)
- myaocu.com/credit-cards · captured Oct 5, 2026
Visa Signature Rewards
Limits up to $50,000. Membership in good standing required.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.98% | None | Revolving term. APR as low as 12.98% (AOCU credit card APR ranges from 12.98% to 23.98% based on creditworthiness and credit scoring). Member must be in good standing. |
| Intro, 12 months | 0.00% | None | 0% introductory APR on Balance Transfers for the first 12 months / 12 billing cycles with a 3% fee. When introductory rate ends, standard APR resumes (12.98%–23.98%). |
Sources (1)
- myaocu.com/credit-cards · captured Oct 5, 2026
Who can join Advantage One Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who work, worship, or attend school in Michigan are eligible for membership.
Family and household
- Immediate family members of existing AOCU account holders—including stepchildren, stepparents, step siblings, and adopted children—are eligible for membership.
Membership information collected October 5, 2026.