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Zero In On This

Enjoy 5% APR* for 12-months on balance transfers, plus a $0 balance transfer fee.4

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Visa $0 balance transfer
Credit Cards
Arrowhead Visa
Rates & Fees
FAQ & Links


You’ll love having one rate whether you use it for purchases, balance transfers or cash advances.

  • Rates as low as 10.24% variable Annual Percentage Rate (APR)*
  • $0 Annual Fee
  • $0 Balance Transfer Fee
  • $0 Cash Advance Fee
  • Use as overdraft protection for your checking account1
  • Monitor your identity at no-cost with ID Navigator2 powered by NortonLifeLock™ 
  • Free access to FICO® Score, updated monthly on your statement3
  • Added security with fraud text alerts

Exclusive Limited Time Offers!

Now through May 31, transfer other balances to your Arrowhead Visa®, and enjoy 5% APR on your transferred balance for 12 months. Plus, as always, there's no balance transfer fee.4

Apply for your loan onlinewhen you're approved, skip your first payment for up to 60 days!5 Get started below.


Rates & Fees

Visa® Credit Card2
Effective Date: May 28, 2022
Variable APR Range*Estimated Payment
10.24% - 25.24% 3% of Balance
($25 Minimum)

Visa® Credit Card Fees
Balance Transfer Fee $0
Cash Advance Fee $0
Annual Fee $0
Visa International Service Assessment (ISA) Fee 1% of amount (Foreign Transactions Only)

View Visa Rate Schedule

FAQ & Links

Are there any fees on my Arrowhead Visa?

There are no monthly or annual fees on your Arrowhead Visa. However, if your payments are not made on time, you may be subject to a late fee. Some fees are temporarily suspended. Visa International Service Assessment fees may apply to transactions processed outside the United States, including online Internet transactions initiated in the United States but that may be processed by a merchant outside the United States. See fees above. Please refer to the Visa Agreement and Disclosure and Rate Schedule for additional details.

When does interest accrue?

Interest will not be charged on purchases, balance transfers and cash advances if you pay your entire balance by the due date each month. Refer to your account opening disclosure for additional details.

Is there a grace period from my due date?

You have 15 days after your due date to make your payment before a late fee is applied.

Why is my monthly payment not displaying online?

Your payment will display in the "payment" field on your balance page once your statement has been generated and your payment calculated.

Once your payment has been made, the payment will be removed until your next statement date. You will still be able to make additional payments and transfers using the transfer feature.

When will I start to see my FICO Score on my statement?

Your FICO Score may take up to two billing cycles to show up on your statement. From then on, you should see it on every statement. For more information, click here.

Can I do a cash advance to my checking?

Yes, just transfer 'From' your credit card 'To' your desired share in online banking.

Can I conduct balance transfers?

Yes, to conduct a Balance Transfer you can either select the gear icon next to your Credit Card share in Online Banking, or by visiting your local branch.

How do I order convenience checks for my Credit Card?

You can request convenience checks by contacting us at (800) 743-7228, or by visiting your local branch.

Can I use my Arrowhead Visa as overdraft protection for my checking?

Yes, to set up overdraft protection, use the gear icon next to your checking share. You may also contact us at (800) 743-7228, or visit your local branch during normal business hours.

How do I report a lost/stolen card?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

How do I get a replacement card?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

Who can I contact if I have any questions regarding my Arrowhead Visa?

You can contact us at (800) 743-7228, or visit your local branch during normal business hours. For hours and locations, click here.

Is there anything I should know before traveling with my Arrowhead Visa?

Before you travel, contact us at (800) 743-7228 to let us know the dates of your trip. For more information on traveling with your Visa card, click here.

Related Links
Signature Loan
Overdraft Protection
Loan Rates
Rate Schedule
Agreement and Disclosure

*APR=Annual Percentage Rate. The rate you qualify for is determined by your credit worthiness. Not all borrowers will qualify. Interest rate will vary with the market based on the Prime Index. Rates and terms subject to change without notice. Terms and conditions apply. Rates valid as of . View the Visa Rate Schedule and Agreement and Disclosure.

1 Fees and other terms and restrictions may apply. Refer to the Schedule of Fees.

2 NortonLifeLock is the benefit provider and is solely responsible for the program and all its associated services. Neither Arrowhead Credit Union, Visa, its issuers nor Asurion, LLC shall have any responsibility or liability in connection with NortonLifeLock rendering of the service.

3 FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. The monthly FICO score is provided solely for your own non-commercial personal educational review, use and benefit.

4 For balance transfers made between March 1, 2022 and May 31, 2022, the annual percentage rate (APR) on those balance transfers will be 5% for the billing cycles through May 31, 2023. After that, your APR on all your balance transfers will be a variable rate between 9.99% and 24.99% that varies with the market based on the Prime Rate at that time and on your creditworthiness.

5 Interest accrues from the date of loan funding. Offer not applicable on First Mortgage loans, Home Equity loans, Home Equity Lines of Credit, Share-Secured Visa Credit Card loans, Share Secured loans, Share Certificate Secured loans, Smart Start Auto loans and Smart Start Personal loans. Other restrictions may apply. Offer valid for a limited time for online applications submitted on or after 04/05/2021 and subject to end without notice.


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