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Home > Credit & Debit Cards > AAACU Visa Cards

VISA ScoreCard Rewards

Get rewarded for making purchases with your AAACU VISA card! Earn one ScoreCard reward point for each dollar spent with points expiring after five years. ScoreCard reward points can be redeemed for merchandise and travel expenses. Visit to access your reward points.

VISA Classic Credit Card

No games, no gimmicks, it’s plain, it’s simple, it’s…classic - Visa Classic Credit Card from Alpena Alcona Area Credit Union, apply today!

Our in-house credit card program offers personal service from local, knowledgeable and caring staff. With low, non-variable rates and 24/7 member service, our credit card is on top of its game – no annual fee, no balance transfer fee, no cash advance fee…it’s classic!

VISA Platinum Credit Card

A ‘Classic’ feel with a little bit of bling…Same great service from the same great people. Same no games, no gimmicks, no hidden fees style. It’s still plain, it’s still simple, it just has a lower rate, a higher credit limit, and few more qualification requirements. It’s a Visa Platinum Credit Card from Alpena Alcona Area Credit Union, apply today!

Share Secured VISA

Do you have limited credit? Or, do you need to re-establish your credit history? A Share Secured VISA from Alpena Alcona Area Credit Union can help you do just that. Reap the benefits of our Visa Classic Card, earn interest on your secured shares and take control of your credit standing – apply today!

See what AAACU’s credit card program is all about…get the facts!

Student VISA

At Alpena Alcona Area Credit Union we strive to provide our young members with the building blocks to begin a life of financial responsibility. We educate students to budget and plan for expenses through seminars, online with articles and newsletters and in-person at our branch offices.

Our Student VISA Credit Card is a way to start building credit responsibly. It is designed to help young adults establish credit with no games, no gimmicks, and no hidden fees. We offer low rates and reasonable credit limits based on an individual’s age.

  • Young adults age 16-17 can open a credit card with a parent, legal guardian or qualified individual over 21 as a joint owner.
  • Young adults between 18-20 years of age can open a credit card with a parent, legal guardian or qualified individual over 21 as co-signer, or they will need to provide financial information indicating they have the ability to make the required minimum payment on their own.

We encourage students to use their credit card for the already budgeted small necessities or for emergencies. We emphasize using a credit card wisely builds their credit history and having good credit can help them down the road with a vehicle and home purchases, without the need for a cosigner.

Education is key…get the facts on AAACU’s credit card program! Apply today!


Did you know AAACU has a “Security Center” under the Member Services tab, which offers advice about protecting your privacy?

Federally insured by NCUA.