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Alaska USA Federal Credit Union

Alaska USA Federal Credit Union is one of the largest credit unions in the United States by assets. Headquartered in Anchorage, Alaska FCU issues a variety of credit products designed to suit the needs of all its members. Browse credit card offers below.

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Date Reviewed: February 19, 2020

Alaska USA Visa Credit Card

Alaska USA Visa Credit Card
  • Regular Purchase APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Annual Fee $50
  • Credit Needed Excellent , Good
  • Processing Network N/A
Best Benefits
  • No foreign transaction fee
  • The same APR for all transactions
  • Annual fee waived if you have an Alaska USA Federal Credit Union checking account
  • Earn points on your purchases
Rates & Fees
  • Regular Purchase APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR: 10.5%, 12.5%, or 14.5% variable based on creditworthiness and the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
  • Annual Fee: $50
  • Late Payment Penalty Fee: Up to $35
  • Return Payment Penalty Fee: Up to $20

About Alaska USA Federal Credit Union

Alaska USA Federal Credit Union is a leading Alaska-based credit union with roots that date back to before Alaska’s statehood.

The credit union was formed in 1948 – some 11 years before Alaska becoming a U.S. state. While the bank has Alaska in the name, it operates branches in several U.S. states, including Alaska, Arizona, California, and Washington.

The credit union is one of the largest not-for-profit banks in the nation, with over $8.95 billion in assets as of December 2019. The bank also boasts more than 675,000 members in all 50 states and countries across the globe.

Alaska USA Federal Credit Union offers a full suite of banking services and products, including checking and savings accounts, mortgages and other loans, business solutions, and credit cards.

Alaska USA Branch Locations

Alaska USA FCU operates dozens of branches throughout Alaska, including major financial centers in Fairbanks, Anchorage, Kenai, Soldotna, and Wasilla, Alaska. The credit union also has branches in other Alaska locations, such as Bethel, North Pole, Ketchikan, Juneau, and Kodiak.

The credit union also operates branches in other U.S. locations, including Glendale, Arizona, and Spokane, Washington. Alaska USA also serves locations in Southern California, such as Rancho Cucamonga, Big Bear, and four branches in the Victorville/ Apple Valley area.

For a complete listing of Alaska USA FCU’s 62 branches, click here.

Alaska USA members also have access to 55,000 surcharge-free ATMs worldwide with the Allpoint® ATM network.

Who Can Join?

Membership eligibility in Alaska USA FCU extends beyond the Alaskan frontiers. If you live in Alaska, Washington, California’s San Bernardino County, and Arizona’s Maricopa County, you are eligible to join Alaska USA.

Alaska USA FCU FAQs

Here are answers to some commonly asked questions about Alaska USA:

What is the routing number for Alaska USA Credit Union?

  • The routing number for Alaska USA is 325272021.

Where can I find an ATM that will not charge me a fee?

What is ClickSWITCH?

  • ClickSWITCH is a tool that makes it easy for customers to quickly transfer direct deposits and automatic payments from other banks to Alaska USA accounts.

Is Alaska USA FDIC insured?

  • Credit unions are not FDIC insured. Instead, all credit unions – including Alaska USA are insured through the National Credit Union Administration (NCUA). The NCUA offers up to $250,000 in insurance for accounts.