Get answers to commonly asked questions

Credit Cards

Login to Digital Banking

Select Cards

Select Credit Card Services

Select Statements

Open or download a PDF version of a recent credit card statement

Typically, the credit card cycle ends on the 2nd of the month. Payment due date is the 27th of the month. 

After your promotional rate has expired, the rate reverts back to the contracted annual percentage rate.  Note that the annual percentage rate will vary with the market based on the prime rate.

A balance transfer fee is a finance charge paid in advance and displays as interest on the credit card statement.

Credit Union ONE has contracted with the credit card transaction processor, Payment Systems for Credit Unions (or PSCU) to handle inquiries related to Credit Union ONE credit cards.  Credit card support, disputes, lost or stolen, and fraud related inquires may be discussed with a representative from PSCU.

A lost or stolen credit card may be reported by dialing 866-565-6171, available 24 hours a day or logging into digital banking and accessing the Card Management widget. 

If you experience fraud or are disputing a charge on your Credit Union ONE credit card, dial 866-565-6171 or 888-918-7341 to report the issue.  Hours of operations are (Monday thru Friday 7am to 10 pm est- Saturday 9am to 6pm est).

Points will accrue over four calendar years and will expire on a first-in-first-out basis annually; points earned in calendar year one will expire on the last day of the calendar year four.  Thus, points earned in 2021 will expire December 31, 2024; Points earned in 2022 will expire December 31, 2025.

Earn 1 point for every $1 spent with your Achieve Rewards Credit Card.


Rewards Points can be redeemed for merchandise, gift cards, travel services and cash.

You can apply for a credit limit increase in any of the following ways:

Online at www.cuone.org

Step one: click “borrow” or “apply for a loan”

Step two: click “apply for credit card”

Step three: click  “Credit Limit Increase”

Digital Banking

Quick Apply Widget/Link

Choose Credit Cards

Choose Credit Limit Increase

Visit a Branch

Call 800-451-4292 and speak to a Credit Union ONE Representative

Credit card payments may be completed by:

Completing a funds transfer from other Credit Union ONE accounts inside Online or Mobile Banking

Clicking the Credit Card Services Widget in Online Banking, and then the Make A Payment link. Payments initiated here may be from other financial institutions, automatic, or set future payments

Calling Credit Union ONE at 800-451-4292

Calling the PSCU contact center at 866-565-6171

Log into Digital Banking, select Credit Card Services, click the 'Balance Transfer' link, and enter your balance transfer information.

Log into Digital Banking, select Card Management, select the credit card to transfer balance to, click 'Balance Transfer' and enter the required information. 

Call PSCU at 866-820-3867 to request a balance transfer anytime, 24/7.

Visit a Credit Union ONE branch or call us at 800-451-4292

You can utilize our credit card payoff calculator here to see what it will take to pay off your credit card balance and what changes can be made to meet your repayment goals. 

  • Login to Digital Banking
  • Navigate to Credit Card Services
  • Complete profile information if requested
  • Click on Rewards Points displayed
  • Choose Redeem and choose between cash back, merchandise, gift cards, or travel
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