Visa Card

Tap Into Convenience. Cash In on Rewards.

Life moves fast — and you deserve a credit card that keeps up. With ARC Federal Credit Union’s Visa® Credit Cards, you get the freedom to spend smart, earn rewards, and stay in control wherever life takes you.

Silver Visa — a trusted classic with a low rate* that keeps your spending secure and simple.

Gold Cash Back Rewards Visa — earn 1.5% cash back** on every eligible purchase. All the convenience and reliability you expect, plus rewards that work as hard as you do - at a rate* that can compete with any major rewards card on the market.

Whichever card you choose, you’ll get:

• Global acceptance — shop anywhere Visa is accepted (that’s 200+ countries and over 9 million US merchants).
• No annual fees — keep more of your money where it belongs — with you.
• Flexible payments — pay your way with contactless and digital wallet options.
• Easy account access — track spending and manage your rewards anytime, anywhere. Lock, unlock, and set notifications on your card instantly in the ARCFCU Cards app.

Your money should move as boldly as you do. Ready to swipe, tap, and earn on your terms?

View Rates Apply Now

View our Application and Solicitation Disclosure

View Gold Cash Back Rewards Terms & Conditions
 

 

*(Annual Percentage) Rate and card limit is based on credit score at time of application. Other restrictions may apply. Rates, terms and conditions are subject to change without notice. Must meet ARC Federal Credit Union membership and loan requirements. Credit union approval depends on creditworthiness and other qualifications.

**Some exclusions apply. See Gold Cash Back Rewards Terms & Conditions for full details.

 

Need Help with Your ARC Visa® Card?

• Lost or Stolen Card: Call 1-866-643-9031 immediately
• Activate Your Card or Change Your PIN: Call 1-866-985-2273
• Report Fraudulent Activity: Call 1-888-918-7313 right away.
• Other Questions or Concerns: Email us at cardsupport@arcfcu.org

 

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Visa Secure

Added Security, Same Convenience

With Visa Secure, you have an extra layer of protection every time you use your ARC Visa® card online. This free, easy-to-use feature helps ensure it’s really you making the purchase — keeping your information safe and giving you more control.

When you see the Visa Secure badge at checkout, you may be guided through a quick identity check to help prevent unauthorized use and protect what’s yours.

Your security. Your peace of mind. Every time you shop.

FAQs

MasterMoney Debit Card

Your Life. Your Money. Instantly Connected.

Life moves fast and your money should too. When you open a checking account at ARC Federal Credit Union, you get a free MasterMoney® Debit Card designed for the way you live, spend, and move.

 

• Shop anywhere, anytime — use your card wherever Mastercard® is accepted worldwide.
• Access your cash 24/7 — withdraw at any ATM, anytime you need it.
• Skip the fees — tap into a large network of free ATMs — [find one here].
• Pay your way — with contactless payments and digital wallet options, checking out is faster and more secure.

Get connected to your money the smart way — quick, flexible, and always in your hands.

Need Help with Your ARC Debit Card?

• Lost or Stolen Card: Call 1-866-643-9031 immediately
• Activate Your Card or Change Your PIN: Call 1-866-985-2273
• Report Fraudulent Activity: Call 1-888-918-7313 right away.
• Other Questions or Concerns: Email us at cardsupport@arcfcu.org

 

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MasterCard SecureCode

Your Private Key to Safer Online Shopping

With MasterCard® SecureCode™, you have a personal code that adds an extra layer of protection when you shop online. Only you know your code — not the retailer — giving you more control and ensuring every transaction is independently approved.

Secure your purchases. Protect your peace of mind.

FAQs

Prepaid Cards

Prepaid Freedom, Powered by You

At ARC Federal Credit Union, we know one size doesn’t fit all. That’s why we offer two prepaid card options — giving you an easy, affordable way to manage your money on your terms. Preload your card, track your spending online, and stay in control every step of the way.

Your money. Your rules. Your way to spend smarter.

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ARC Everyday Spend Card

Freedom to Spend - Without the Worry

Your money, your rules. The ARC Everyday Spend Card is a smart, simple way to stay in control — no credit checks, no overdraft fees, no surprises. Just load what you plan to spend and move forward with confidence.

Set your own limits — load only what you want to spend and stick to your budget.

Freedom to reload — unlimited reloads for just $0.50 each.

Accessible for everyone — available to members 13 and older with an ARC savings account.

Stay secure — use your card safely online or in stores anywhere Visa® Debit is accepted.

ATM and PIN access — for cash when you need it, on your terms.

Avoid overdrafts — no costly fees, just simple, stress-free spending.

Reload your card by calling an ARC Member Service Representative during business hours — funds are usually ready in 1–2 hours. Or manage your balance anytime through CU Money (NOTE: CU Money reloads typically take 3 business days).

Budget better. Shop safer. Stay in control — every day.

Access Your Everyday Spend Card

Lost or stolen card? Call 1-877-850-9650 to report it ASAP.

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Gift Cards

The Gift of Choice, Ready in Minutes

Turn any occasion into a win. Simple, smart, and unforgettable, ARC Gift Cards are always appreciated.

• Instantly ready — perfect for last-minute gifting.
• Spend anywhere — use at any merchant in the U.S. that accepts Visa®.
• Travel smart — a safer, more flexible way to spend while on the go.

No gift receipts. No guesswork. Just a simple way to give freedom, convenience, and choice — whenever and wherever it’s needed.

Activate your card and check your balance here:

ARC Visa Gift Card

Lost or stolen card? Call 1-866-833-2370 immediately to report it.

Stay One Step Ahead of Fraud — Even When Life Happens

We get it — fraud never picks a good time. Whether you’re in the world’s longest grocery line or halfway into your family road trip, the last thing you want is a card issue slowing you down. That’s why ARC Federal Credit Union’s fraud detection team has your back 24/7/365.

Our system monitors your MasterCard® debit card around the clock, flagging anything suspicious — odd times, weird locations, or anything that doesn’t fit your usual swipe style. If something looks off, we act fast to keep you protected.

Here’s how we keep you in control:

• Fast text alerts — if we spot something suspicious, you’ll get a text* with the transaction details.
• Quick response — reply “Y” to approve or “N” to deny. No awkward calls or long waits.
• No response? — we’ll call you (twice) and leave a message. Still nothing? We’ll send an email.
• No personal info needed — just confirm or deny. Easy and secure.

Pro tip:
Make sure your contact info (especially cell phone number and email) is up to date, and let us know if you’re traveling. Even better — download the ARCFCU Cards app and set travel notifications on the go.

*Text alerts are free, but carrier rates may apply. If you would like to opt out of receiving these important messages via text, simply reply "STOP". Never reply with any personal or confidential card information.

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ARCFCU Cards App

Instant Control. Total Confidence.

Take full control of your ARC Federal Credit Union debit and credit cards with the ARCFCU Cards app — now available in the Google Play Store and Apple App Store. Look for our logo and "ARCFCU Cards" to download the app that puts you in charge.

With the ARCFCU Cards app, you can:

• Lock and unlock your card instantly — total control with a tap.
• Set travel notifications anytime — no need to call before you go.
• Track balances and activity — stay on top of your spending, wherever life takes you.

More speed. More convenience. More power — all in your pocket.

Need help getting started? Call or text us at 814-946-0857 — we’re here to help.

Download for iOS Download for Android