Credit Cards
A low-rate card with no surprises — and rewards when you want them.
What makes a credit union card different? Because NCACU is member-owned, our Visa® credit cards tend to carry lower rates and fewer fees than big-bank cards. Choose a low-rate card or a rewards card, both with no annual fee and full fraud protection.
What you get
- Low rates with no annual fee
- Rewards card option for everyday spending
- Contactless and mobile-wallet ready
- Zero-liability fraud protection
- Manage and pay in online and mobile banking
| Card | Purchase APR* | Annual Fee |
|---|---|---|
| Low-Rate Visa® | 11.90% | $0 |
| Rewards Visa® | 14.90% | $0 |
Rates shown are illustrative placeholders for this design preview. Replace with NCACU's current published rates before launch. APY = Annual Percentage Yield; APR = Annual Percentage Rate.
Frequently Asked Questions
If you carry a balance, a low-rate card saves you the most. If you pay in full each month, a rewards card puts money back in your pocket.
Apply online, by phone, or at any branch. Local decisions mean a fast, friendly answer.
Ready to become a member?
Opening an account online takes about ten minutes. Membership is open to anyone who lives, works, worships, or attends school in our Michigan communities.