Arizona Central Credit UnionVisa® Credit CardRegistry illustration · issuer artwork unavailable

Visa® Credit CardArizona Central Credit Union · state credit union, AZ · NCUA 62881

CurrentLast observed Aug 23, 2026Official issuerCredit card · Consumer

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Purchase APR

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Balance transfer

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Cash advance APR

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Annual fee

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Foreign fee

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Grace period

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Product terms with exact source passages
Term	Value	As printed in the source	Source
APR for purchases	—	no source read
APR for balance transfers	—	no source read
APR for cash advances	—	no source read
Penalty APRafter a late or returned payment	—	no source read
Paying interestgrace period on new purchases	—	no source read
Annual fee	—	no source read
Transaction fees
Cash advance	1% of the amountARIZONA CENTRAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None 1% of each transaction in U.S. dollars”ARIZONA CENTRAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 6
Balance transfer	$0ARIZONA CENTRAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	“None”ARIZONA CENTRAL · Page Capture Aug 23, 2026 · Captured Aug 23, 2026	p. 6
Foreign transaction	—	no source read
Penalty fees
Late payment	—	no source read
Returned payment	—	no source read

Visa Credit Card Disclosure & Cardholder Agreementpage 6 of 6

Consumer Visa Credit Card Disclosure*

Interest Rates &Interest Charges Annual Percentage Rate (APR) for Purchases, Balance Transfers, and Cash Advances · 10.90% to 14.90% when you open your account, based on creditworthiness Penalty APR · None Paying Interest · Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. Minimum Interest Charge · None Credit Card Tips from the Consumer Protection Bureau · To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at consumerfinance.gov/learnmore

Fees Transaction Fees • Balance Transfers • Cash Advance · None None 1% of each transaction in U.S. dollars • Foreign Transaction Penalty Fees • Late Payment • Returned Payment · Up to $25.00 Up to $25.00

How We Will Calculate Your Balance

We use a method called 'average daily balance (including new purchases)'.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided.

* The information in this disclosure was accurate as of 1/1/2013, and after that date is subject to change. Rates are based on creditworthiness and underwriting policies. Rates, charges, and fees stated apply unless a specific law requires a lesser amount, in which case the lesser amount shall apply.

For current information, call Arizona Central Credit Union at (602) 264-6421 or toll free 1-866-264-6421; write to ACCU, P.O. Box 11650, Phoenix, AZ 85061-1650; or visit our website at azcentralcu.org.

1 2 3 4 5 6Page 6 is cited

Archived Aug 23, 2026Open full document

Sources and dates

Contractual terms come from retained issuer disclosures. Historical cohort statistics come from the CFPB survey and do not change the issuer's terms.

Issuer disclosures and source details

Exact passages support the published terms or show additional details that remain unresolved.

ARIZONA CENTRAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“None”
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ARIZONA CENTRAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“None 1% of each transaction in U.S. dollars”
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ARIZONA CENTRAL
Page Capture Aug 23, 2026 · Captured Aug 23, 2026 · page 6
“Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.”
Additional source detail; structured values remain unknown. This agreement passage is retained verbatim. The pricing interpretation does not replace the complete card-terms declaration.
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History

dates on sources or when they were captured

Aug 23, 2026: Balance transfer fee, Cash advance fee

Offered through: Arizona Central Credit Union
Legal issuer: Not established by retained evidence
Regulator: NCUA charter 62881
Branches: 11 in AZ
Sources: Official issuer · 1 document · 1 page cited

Documents

Visa Credit Card Disclosure & Cardholder Agreementeffective date not parsed

Visa® Credit CardArizona Central Credit Union · state credit union, AZ · NCUA 62881

Rates and fees