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TVACCU Visa Credit Card card

TVACCU Visa Credit Card

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Excellent / Good / Fair
Card network
Visa
Regular purchase APR
9.95%, 10.95%, 11.95%, 12.95%, or 13.95% variable based on your creditworthiness
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Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The TVACCU Visa Credit Card is a fixed-rate credit card that offers exceptionally low APR on every purchase, balance transfer or cash advance. The card, a product from TVA Community Credit Union in Muscle Shoals, Alabama (but with locations statewide), also earns a single point for every dollar spent in the UChoose Rewards Program, with redemption options including travel, gift cards, cash back, and more. The card has no annual fee and no fees for cash advances or balance transfers.

Our review of the TVACCU Visa Credit Card

If you’re in the market for a low APR credit card, look no further than the TVACCU Visa Credit Card from Alabama’s oldest credit union, TVA Community Credit Union. What sets this card apart from the rest is its fixed APR for purchases, balance transfers, and cash advances – a rare find in the world of unsecured credit cards.

The Benefits of a Fixed APR Credit Card

One of the standout features of the TVACCU Visa Credit Card is the fantastic fixed rate that cardholders can enjoy. Depending on your creditworthiness, you could secure a rate that is nearly 4% lower than the national average APR for credit cards. Those with excellent credit scores may even snag a rate that is half of the national average.

With a fixed-rate APR, you can say goodbye to worrying about fluctuations in the Prime Rate, which can impact the interest rates you pay on your credit card balances. Instead, you’ll enjoy a consistent low APR, making budgeting and planning easier.

Earn Reward Points with Every Purchase

Every dollar spent on eligible net purchases with the TVACCU Visa Credit Card earns you a reward point. These points can be redeemed through the UChoose Rewards Program, a popular option among credit unions nationwide. Redeem your points for cash back, gift cards, travel bookings, merchandise, and more.

TVACCU Visa Card Fees

The TVACCU Visa Card boasts transparency when it comes to fees. There is no annual fee, no fees for balance transfers or cash advances, and a fair 1% foreign transaction fee. However, be cautious with balance transfers, as there is no 0% introductory APR period, meaning interest will start accruing immediately.

Who Can Join TVA Community Credit Union?

Founded in 1936, TVA Community Credit Union is open to the public, regardless of employment or location. Anyone can join this historic credit union.

Should You Apply for the TVACCU Visa Credit Card?

The TVACCU Visa Credit Card is a top choice for those seeking a quality credit union rewards card with a low fixed APR. With points earned for every dollar spent and minimal fees, this card is a great option for current TVA Community Credit Union members, those looking to join, or anyone seeking a hassle-free credit card experience. Apply today and enjoy the benefits of the TVACCU Visa Credit Card.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • No annual fee
  • Earn a single UChoose Reward point for every dollar spent
  • Low fixed rate APR

Who this card may suit

  • You prefer a fixed-rate APR over a variable APR
  • You want to earn rewards on every purchase, with various redemption options available
  • You don’t want to pay an annual fee
  • You already bank with TVA Community Credit Unio

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR9.95%, 10.95%, 11.95%, 12.95%, or 13.95% variable based on your creditworthiness
Balance Transfer APR9.95%, 10.95%, 11.95%, 12.95%, or 13.95% variable based on your creditworthiness
Cash Advance APR9.95%, 10.95%, 11.95%, 12.95%, or 13.95% variable based on your creditworthiness
Foreign Transaction Fee1% of the transaction amount in U.S. Dollars
Late Payment Penalty FeeUp to $100
Return Payment Penalty FeeUp to $30

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Excellent Credit Good Credit Fair Credit.

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