Agreements as filed with the CFPB. Not an offer of credit. How we read them
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Alpena-Alcona Area Credit Union

Student Visa - Alpena-Alcona Area Credit Union

A Alpena-Alcona Area Credit Union card, with the issuer's own application link and an honest account of what its filed agreements do and do not tell you about the price.

Student Visa credit card from Alpena-Alcona Area Credit Union
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Takes you to Alpena-Alcona Area Credit Union. We are not the lender.

Student Visa is issued by Alpena-Alcona Area Credit Union. The button below hands you to the issuer's own application.

Apply now Alpena-Alcona Area Credit Union agreements on file

Applications are handled by Alpena-Alcona Area Credit Union, not by us. We do not take applications, we are not the lender, and we cannot say whether you would be approved.

Disclosed rates and fees

We are not showing a rate table for this card. Alpena-Alcona Area Credit Union files its cardholder agreements with the CFPB under document names rather than product names — “pricing addendum”, “pricing info” and the like — and none of those filings names Student Visa closely enough for us to be certain which document governs it.

Printing another agreement's APR against this card would be worse than printing nothing, so we have printed nothing. Every agreement Alpena-Alcona Area Credit Union has on file is listed on its issuer page, each with the rates and fees that document does disclose.

The filings themselves:

Where these facts come from

The card name, the image and the application link on this page were read from Alpena-Alcona Area Credit Union's own website (product page). The rates and fees, where we show them, come from a different source entirely: the cardholder agreement the issuer filed with the Consumer Financial Protection Bureau.

Those two sources can disagree, and when they do the issuer's current offer is the one you would actually get. A filed agreement is a snapshot of the terms at the moment of filing; it is the best public record of what a card costs and it is not a quote. Read Alpena-Alcona Area Credit Union's current disclosure before you apply.

We join a filing to a product only when the names match on every meaningful word. Issuers file documents, not cards, so a great many filings cannot be tied to any one product — and an agreement attached to the wrong card would misstate the price of borrowing money. How we read the filings.

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