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From low APRs and no fees to bonus rewards and travel points, there’s more to our credit cards than just convenience.

Key Features

  • Competitive Rates
  • Rewards Program
  • Anytime Access

All Alabama Teachers Credit Union Visa® Credit Cards include:

  • Contactless chip technology
  • CURewards program
  • Special deals and promotions
  • No annual fees
  • 25-day interest-free grace period
  • Balance transfer option
  • No minimum finance charge
  • No transaction fee for purchases
  • Manage your card through Access Point
  • Card transactions can also be accessed through online and mobile banking
  • Or use our ATCU Cards App to manage your card

View the complete Guide to Benefits.  

Access Point Login

We offer two types of cards to meet your specific needs:

Visa® Platinum

  • 9.90% APR*
  • For limits $4,999.99 and below
  • Up to $500,000.00 in travel accident insurance
  • Earn one point for every net dollar** spent

Visa® Signature

  • 9.90% APR*
  • For limits $5,000 and above
  • Up to $500,000 in travel accident insurance
  • Earn one and a half points for every net dollar** spent
  • Redeem reward points for cash back***

Programs, rates, terms, and conditions are subject to change without notice.

*APR equals Annual Percentage Rate.  Stated APR is as low as 9.90%.  Rates may vary based on each individual borrower's credit history and other underwriting factors.

**A net dollar is defined as purchases minus returns.

***Terms and conditions may apply.

Through Visa® Purchase Alerts, ATCU Debit and Credit Cardholders can create an account and receive purchase alerts via text or email for eligible Visa® Cards. 


  • Security: Get alerts for transactions in real-time and immediately identify potentially fraudulent activity.
  • Control: Track spending and stay on top of account balances.
  • Convenience: Adjust your alerts to what makes sense for you and receive them via SMS text or email.

Follow the steps below to enroll

  1. Visit
  2. Check to see if your card is eligible1
  3. Register your mobile device and email to receive Visa® Purchase Alerts
  4. Choose the notification triggers that match your needs, such as transactions exceeding a set amount

1Not all card issuers will allow cards for SMS message alerts. Message and data rates may apply.

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