Auto-Owners Associates Credit Union has a no hassle credit card that’s perfect for everyone.  Our Visa Gold and Visa Classic cards offer a low interest rate with no annual fee.

  • Low rates, no annual fees, and balance transfers
  • Visa card application- please contact credit union by phone (517-323-1370) or email (
  • Visa Customer Service – (800)299-9842
  • Lost or stolen credit card – (800)325-3678
  • Online Visa access/Payments/Alerts –

Credit Card Rates

Visa ScoreCard® Rewards

With ScoreCard® you earn points for every purchase you make with your AOACU Visa credit card.  These points can be redeemed for great awards.  For more information, visit to view and redeem your points.

  • Merchandise
  • Travel
  • Fuel discount
  • Redeem2Erase
  • And much more!

Digital Wallet

Auto-Owners Associates Credit Union’s Visa credit card is offering digital wallet payment options.  Now more than ever, flexibility in the way cardholders pay is critical.  Thousands of merchants are taking advantage of digital commerce payment methods such as digital wallets and payment credentials on file.  With tokenization, actual card numbers are protected in the general payment stream, greatly reducing the liability and exposure that a security breach can cause. 

Payment options available:

  • Apple Pay
  • Samsung Pay
  • Google Pay 

Benefits for you:

  • Enhanced protection against fraudulent activity
  • Reduced time for making payments, in store and online
  • Save space in your pocket or purse
  • Safely store and access all of your cards from a central location
  • Prevent loss of card or other sensitive personal information
  • Accepted by many major retailers, with continuing adoption
  • More convenient online checkout from mobile devices