Happy Asian family playing together on sofa in home living room-Visa Zero Percent


If you’re not carrying an ALEC Visa® card, you’re missing out.


Apply Now


If you’re not carrying an ALEC Visa® card, you’re missing out. Because with an exceptional 12-month, no-interest APR1, you could be saving lots of money.

Choose from Visa® cards featuring different privileges — all with no annual fees, 24/7 fraud monitoring, contactless technology, and the EMV microchip for enhanced security.

Each ALEC Visa® card features a 0% intro APR for 12 months on purchases and balance transfers.2


Christmas Shopping; Visa Balance Transfer

Visa® Balance Transfer

Get your finances in balance. Just transfer balances to your ALEC Visa® card.

Simply transfer your balances from other credit cards to an ALEC Visa® card to receive 1.95% APR* on balance transfers made from January 3 through February 28, 2022. This special low rate is for 12 months after the balance is transferred and has no balance transfer fee!

Don't have an ALEC Visa® card? Apply online today or visit any Service Center.


*APR = Annual Percentage Rate. The promotional rate is valid on balance transfers made 1/3/2022 through 2/28/2022. Remaining promotional balances on the first statement after March 2023 will revert to the following: for fixed rate cards, the standard fixed rate based on the cardholder’s creditworthiness at account opening; for variable rate cards, rates are determined by adding a margin to the Prime Rate. Prime Rate is “prime” as listed in the “Money Rates” section of The Wall Street Journal from the last business day of the previous quarter. Standard variable rate is between 7.95% and 18.95% APR. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa® cards are not eligible to be transferred to a new ALEC Visa® account and receive the promotional rate. All loans are subject to credit approval. Minimum balance transfer amount of $25.00.


Visa® Signature Rewards


ALEC Visa Signature Credit Card

Maximum reward opportunities.

The ALEC Visa® Signature Rewards card, allows you to maximize the number of CURewards® points you earn. Receive 5,000 bonus points if you spend $1,000 within the first 90 days.


No annual fees

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 11.95% to 12.95%3.


Apply Now

Select Rewards™ Visa®


ALEC Select Rewards Visa Credit Card

Points for every dollar spent.

With our ALEC Select Rewards™ Visa®, you’ll earn one CURewards® point for every dollar purchased. You might be surprised how quickly your accumulated points can become a sizable cash reward.


No annual fees

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 9.95% - 18.95%3.


Apply Now

  Select™ Visa®


ALEC Select Visa Credit Card

Lowest rate card.

If you carry a balance from month to month, the ALEC Select™ Visa® card can save you a lot of extra money. Over time, that’s savings you can use for other things you really want.


No annual fees

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 7.95% - 16.95%3.


Apply Now

Student Visa®


ALEC Student Select Visa Credit Card

Credit options just for students.

For students looking to build credit, we offer two cards. Earn points towards cash back, merchandise and more with our Student Select Rewards™ Visa®, or enjoy our lowest rate card, our Student Select™ Visa®.

No annual fees

0% intro APR on purchases and balance transfers2 for 12 months, then a variable APR, 11.95% - 13.95%3.


Apply Now


Manage Your ALEC Credit Card


Managing your card is easier than ever with our new Credit Card Valet app. Just a few of the great benefits include:

  • Lock and Unlock your card at any time, for any reason.
  • Report your ALEC Visa® Credit Card as lost or stolen.
    • To contact Visa®, please call 800.449.7728 to report it immediately. If you are international, please contact us.
    • Your ALEC Visa® card comes with worry-free protection. Should any unauthorized transactions occur on your card within the Visa® network, you’re 100 percent covered against fraudulent activity — with zero liability on your part.
  • Notify us of your travel plans to prevent any temporary card suspension or purchases being denied.
    • ALEC wants your next trip to be as hassle-free as possible. You can also notify us by calling 24/7 to 800.762.9988, sending a secure message through Online Banking or stopping by any Service Center.

1 APR is Annual Percentage Rate. Introductory APR is for 12 months after account opening. Introductory APR not available for cash advances or for existing ALEC Visa® cardholders.
2 A balance transfer fee of 2% of the amount of the transfer will apply.
3 The post-introductory APR varies by credit card and credit history. It also varies with the market based on the Prime Rate. Prime Rate is “prime” as listed in the “Money Rates” section of The Wall Street Journal from the last business day of the previous quarter. As of December 31, 2021, Prime is 3.25%.