AP Visa


Our VISA offers qualified members the perfect combination of value-packed features and a low interest rate as well as Scorecard Reward Points which can be redeemed for merchandise or travel. Features include:

  • Platinum rate as low as 8.99% APR
  • No Annual Fee
  • No Transfer Fee
  • Worldwide Acceptance
  • Cash Advance Capabilities

Click here for Visa Member Agreement



EMV Chip Technology

You have probably heard in the news about the new chip technology in credit cards. This has been done overseas for years, but is now starting in the United States. The conversion from mag stripe to the chip technology is taking place at AP Federal also. You will notice when your credit card expires with AP, your new card will have a different look and number.

This card will have many more safety features to protect you, our member, from fraud. That little chip in the card randomizes the authorization numbers for each transaction making it very, very hard on the thieves. This process will take about a year and half for all members to get the new cards. This video tells you a little more how EMV technology works!

EMV with Visa Video