Balance Transfer Offer Enjoy 4.99% APR+ for LIFE!

Transfer Your Balance & Enjoy 4.99% APR+ For Life! A woman holding an Arbor Financial Credit Union Visa Rewards Card.

Arbor Financial is offering a 4.99% APR+ with zero balance transfer fees when you move your high-rate credit card balance to a Visa Rewards Card or Advantage Card. Where other financial institutions may offer a low-rate transfer offer for a promotional period, the 4.99% APR+ is for the life of the transferred balance!

Start Your Balance Transfer   Learn More


Convenience Is In The Cards

Credit cards are an indispensable way of life for people. But finding the right one is key. Arbor Financial's Visa offerings are designed to help our members get the spending power they need with excellent rates.

With Visa’s Zero Liability Policy, cardholders can shop with peace of mind knowing that they won’t be held responsible for unauthorized transactions – whether online, in stores, or over a mobile device1. Read details regarding the policy here.

Compare Credit Cards


Digital Wallets in a Digital Era

Safe and secure purchases are made easy with digital wallets, which allow users to make transactions, store funds, and track payment history within the app.

View Digital Wallets

Take Control Over Your Credit Cards

Once you've found the credit card that works best for you, download the Arbor Financial Card Control app to set alerts and travel notifications while managing your credit cards in one convenient app.

Download the Arbor Financial Card Control App today!

Traveling With Your Debit or Credit Card?

We work hard to protect your accounts and your money. Before heading out on vacation, let us know you’ll be traveling to ensure uninterrupted use of your debit or credit cards. Out of state or international purchases may be flagged as potential fraud and blocked until your authorization can be confirmed. Set your travel alert using the Card Control app or email us with your travel dates. Safe travels!

REMINDER: Your remittance address is P.O. Box 37603 Philadelphia, PA 19101-0603.

Advantage Card
Advantage Credit Card Open account
Rates for purchases

6.00% APR* - 15.25% APR*

Balance Transfers**

4.99% APR+ for life!

Points Program


Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Sign up for eStatements and earn a $5 credit.

Business Rewards Card
Business Rewards Credit Card Open account
Rates for purchases

Competitive Variable Rate

Balance Transfers**


Points Program

Use your CURewards points to get cash back, gift cards, merchandise and travel rewards when you make everyday purchases.

3X Points on Restaurants and Travel
2X Points on Groceries and Gas
1X Points on Everything Else

Advanced Security

Card information is printed on the back of the card, and chip technology adds another level of encryption when you make purchases.

How to Earn More

Earn 2,500 points for activation
Earn 500 points when you sign up for eStatements.


Get card assistance when you need it

If your credit card is lost or stolen, call 269.375.6702 or 800.442.7340 immediately. If you have other non-emergency questions after hours or on holidays, please call 866.591.2802.
If you would like to set up a PIN for ATM withdrawals on your credit card, call 888-886-0083 to set your PIN. 

To access your credit card information online, please log in through Online Banking.
*Rates as of January 4, 2021. APR = Annual Percentage Rate. Lowest rate featured based on credit score of 750. Rates are variable. Qualification is based on an assessment of individual creditworthiness and our underwriting standard. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Not all applicants will qualify. Contact us for more information.

+ APR = Annual Percentage Rate. Offer valid through 3/31/21. Balance Transfer promotional rate applicable for the life of the balance. You may transfer balances from other non-Arbor Financial credit cards up to your established credit limit. Some restrictions apply. Promotion, rate, terms and conditions subject to change without notice. Insured by NCUA.

1. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.
"Working with Arbor was the easiest process I have had in regards to a car loan. Thank you for such a smooth process and recommendations on how to best position myself for future business." Joel P Read More Member Stories