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62

APL FCU CLASSIC VISA CARD

Apl Federal Credit Union

One State/TerritoryVariable · PrimeCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
6.49–18%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
1%
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

The purchase rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered6.49%
Median10.49%
Highest offered18%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered6.49%
Median10.49%
Highest offered18%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee—
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases

Late fee policy: 5% of the amount due or $5, whichever is greater.

Rewards, benefits and features

Rewards

None reported

Services
  • Access to Free Credit Scores
  • Credit card registration
Features
  • Contactless Payments
  • Chip card
  • Mobile wallet provisioning (for example, Apple Pay)

Who can get this card

AvailabilityOne State/Territory
StatesMD
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence
RequirementOther. Please Describe:

Geographic: We have a community charter for Howard County, Maryland. Membership eligibility is limited to those who live, work, attend school or regularly conduct business in the county. Immediate family members or a member are also eligible. The vast majority of our

Phone8003675796
Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 10.49%$314.70
Annual / periodic fees$0
Total yearly cost$314.70

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by Apl Federal Credit Union in the 2026 Q1 archive.

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