Personal Credit Cards

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 $5,000 and below
• Up to $500,000.00 in travel accident insurance

Visa^® Signature

• 9.90% APR*
• For limits above $5,000
• Up to $500,000 in travel accident insurance
• 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.

**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. 

Benefits

• 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 visa.com/purchasealerts
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.