Credit union · NCUA insured
Arizona Central Credit Union Credit Card Rates
Arizona Central Credit Union credit cards start at 10.90% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Arizona Central Credit Union’s credit card rates compare
Compared with banks and credit unions near Phoenix, AZ, where Arizona Central Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Arizona Central Credit Union
10.90%APR
- Up to
- —
Visa Gold
Lowest rate
Pinal County FCU
7.90%APR
- Up to
- 13.90% APR
2nd-lowest rate
AERO Financial
7.92%APR
- Up to
- 12.84% APR
Arizona Central Credit Union credit card score
79
Credit card score
Higher than 48% of U.S. banks and credit unions
- Purchase APRPurchase APR10.90%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Arizona Central 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 Classic
$500 minimum credit limit. Includes travel accident insurance. No fees. Debt cancellation protection available at additional cost. No-fee balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Base APR as low as 13.90%. $500 minimum credit limit. No fees. |
Sources (2)
- azcentralcu.org/loans/credit-cards/personal-credit-card
- azcentralcu.org/loans/credit-cards/balance-transfer
All captured Oct 7, 2026
Visa Gold
$3,000 minimum credit limit. Includes purchase security, travel emergency assistance, and travel accident insurance. Debt cancellation protection available at additional cost. No-fee balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.90% | None | Base APR. $3,000 minimum credit limit. |
Sources (2)
- azcentralcu.org/loans/credit-cards/personal-credit-card
- azcentralcu.org/loans/credit-cards/balance-transfer
All captured Oct 7, 2026
Visa Secured
$300 minimum credit limit. Maximum credit limit secured by savings. Low rate, fee-free card. Includes travel accident insurance. Debt cancellation protection available at additional cost. No-fee balance transfers.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.90% | None | Base APR. Maximum credit limit secured by savings. $300 minimum credit limit. Fee-free card. |
Sources (2)
- azcentralcu.org/loans/credit-cards/personal-credit-card
- azcentralcu.org/loans/credit-cards/balance-transfer
All captured Oct 7, 2026
Who can join Arizona Central Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees or members of one of over 2,000 partner groups in Arizona Central Credit Union's field of membership are eligible to join.
Membership information collected October 4, 2026.