Visa Credit Cards

You have the luxury of choice with Andrews Federal Visa credit cards, which offer you the options of rich rewards to simplicity for ease of use with great, low rates.  Wherever you go, you can take advantage of the valuable benefits that come with your Andrews Federal Visa credit card. 

Visa Titanium Signature Credit Card 

Experience more with exclusive benefits and enjoy variable rates as low as 6.99% APR*.  You'll earn 3 rewards points per $1.00 spent on gas and grocery purchases and 1.5 rewards points per $1.00 spent on all other purchases.  Redeem points for cash, travel, merchandise and more.

Visa Platinum Rewards Credit Card 

Earn 1 rewards point per $1.00 spent on all purchases with variable rates as low as 8.99% APR*. Redeem points for travel, merchandise and more.

Visa Simplicity Credit Card 

Use our no-hassle card built for every budget for all your purchases with variable rates as low as 7.99% APR*.

Visa Business Rewards 

Enjoy the purchasing power of Visa for your business with variable rates as low as 10.25% APR*

All cards offer:

  • EMV chip technology
  • Mobile security features including instant card lock/unlock and more
  • Purchase Alerts in online banking for mobile and email to empower you to keep your account secure

Same Day Payment Processing

It's quick and easy to pay your credit card in online banking.  When you make a payment by 5:00 pm (EST), that payment is applied that same day!  Click here to learn how to make a payment in online banking.

Visa Titanium Signature Rewards

Apply

Introductory Rate Special Offer - 0% APR for 12 months on purchases and balance transfers processed within 90 days of account opening date.

Variable Interest Rate - 6.99% - 18.00% APR*

Rewards

Credit Limits - $10,000 to $50,000

Annual Fees - None

Balance Transfer Fees - 1.50% of the transfer amount or $50; whichever is greater

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - $25.00

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments – If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (2.74%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.

Visa Platinum Rewards

Apply

Variable Interest Rate - 8.99% - 18.00% APR*

Rewards

  • Bonus Points: 5,000 points with first purchase
  • Earn 1 point per $1.00 spent
  • Points can be redeemed for travel, merchandise and more. Click here to learn about CURewards®
  • Travel and protection benefits

Credit Limits - $1,000 to $50,000

Annual Fees – None

Balance Transfer Fees – None

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - $25.00

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online PaymentsIf you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (4.74%, 8.74%, 11.74% or 18.00% depending on your credit) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.

Visa Simplicity

Apply

Variable Interest Rate - 7.99% - 18.00% APR*

Credit Limits - $1,000 to $50,000

Annual Fees – None

Balance Transfer Fees - 3% of the balance transfer amount or $50, whichever is greater

Foreign Transaction Fees – None

Security - EMV Chip and PIN enabled

Late Charges - Up to $25.00

Payment Options

  • Online BankingPay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments – If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year. We take the published Prime Rate and add your variable rate margin (3.74%, 7.74%, 10.74%, 13.75% depending on your credit) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January). If the Prime Rate has not changed, your rate will not change. Your rate cannot change more than once per year, and it cannot exceed 18.00%.

Visa Business Rewards

Contact Us

Introductory Interest Rate - 3.25% APR for the first 12 months

Variable Interest Rate – 10.25% - 18.00% APR*

Rewards

Credit Limits - $1,000 to $50,000

Annual Fees - $99.00, waived for the first year

Balance Transfer Fees – None

Foreign Transaction Fees - 1.00% of each transaction (in US Dollars)

Security – Not EMV Chip and PIN Enabled

Late Charges - $35.00
Additionally, if the account goes past due 60 days or more, a penalty rate of 17.99% APR will apply to the outstanding balance, until 6 consecutive payments are made on time.

Payment Options

  • Online Banking – Pay or view your loan in online banking by clicking on the Transfers tab.  You choose when you want to make the payment and can set up automatic, recurring payments.  Rest assured that your payment will be made on time. Log in now to online banking.
  • Online Payments from another bank or credit union – Choose to pay your credit card from another financial institution.  Log in to online banking and click on the Credit Card tab. Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment.
  • Visa Access Online Payments If you use Visa Access to manage your credit card, you can also pay your credit card online.  Click on Payments then Make a Payment. Enter the routing and account number of the financial institution you would like to use to make your credit card payment. 
  • Mobile App – Pay or view your loan using our Mobile App, which gives you instant, on-the-go access to your accounts.  Download the app now.
  • Payroll deductions – Use your payroll wisely by allocating funds from your payroll to pay your loan automatically every month.  Your loan will be paid every time your payroll is deposited.
  • Pay by check – Mail a check payment to Andrews Federal Credit Union, P.O. Box 3000, Clinton, MD 20735-6001.
  • Visit a branch – Stop by your local branch to make a loan payment.  Click here to find your closest branch.

Can I select my own PIN number (or change it)? - Yes, call 1.888.886.0083

How Do We Determine Your Rate?
We look at the Prime Rate as published in the Wall Street Journal on December 1st of each calendar year.  We take that Prime Rate and add your variable rate margin (6.00%) to determine your rate for the following calendar year, which becomes effective as of the 1st day of your next billing cycle (January).  If the Prime Rate has not changed, your rate will not change.  Your rate cannot change more than once per year, and it cannot exceed 18.00% APR.

Credit Card Agreement and Disclosure Statement

APRs (Annual Percentage Rate) listed are the lowest available rates.  Rates, terms and conditions may vary based on creditworthiness and other qualifications and are subject to change.  Subject to credit approval.  Additional restrictions may apply.