Credit MasterCard® with

Spend Smart. Earn Points. Live Rewarded.

Power your purchases at a low fixed rate and get rewarded along the way. The ALCU Credit MasterCard® combines affordability, simplicity, and flexibility, all designed for how you live and spend.

What You’ll Love

• As low as 9.99% APR* for purchases, cash advances, and balance transfers
• No annual or balance transfer fees
• Credit limits from $500 - $10,000
• Earn 1 ALCUstom Rewards point per dollar on every net purchase

Rewards Made Easy

• Earn points automatically with everyday spending, including groceries, gas, dining, and bills
• Points earned on your ALCU Credit MasterCard® and ALCU Debit MasterCard® combine into one rewards balance
• Redeem for cash back, gift cards, travel, merchandise, statement credits, and more through your secure Online and Mobile Banking
• Your rewards are flexible: choose how and when you use them.

Built for Your Peace of Mind

• Low fixed rate
• Optional Loan Protection such as payment protection plans that covers monthly payments or loan balance in case of death, disability, or involuntary unemployment 
• Local credit union trust: we are member-owned, nonprofit minded, and focused on serving you – not profits

Easy Ways to Pay

• Set up automatic monthly payments via direct deposit or ACH
• Pay anytime through Online and Mobile Banking
• Pay with your debit card online
• Mail your payment to us
• Visit our branch or a shared branch location

Ready to Earn While You Spend?

• Apply online now to start building rewards; or
• Talk to a local loan specialist who can help you find the best option for your needs.

*APR (ANNUAL PERCENTAGE RATE) as low as 9.99% for purchases, cashed advances, and balance transfers, on approved credit. Rates are effective 8/1/2025. All rates and programs are subject to change at any time. All loans are subject to credit approval. Terms and conditions apply, see Credit MasterCard Rates and Fees for details.

Membership eligibility required. Optional protection products are available and may have additional costs, eligibility requirements, and exclusions. Payment convenience features may have fees to use. Contact us for full details.