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Credit Cards

North Central has a Rewards Credit Card available to all members depending on qualifications and credit records. There is no annual fee with either card.  Don’t have a North Central credit card yet? Apply through the Service Center (989) 910-5135 or at your local branch.

Visa Cash-Back Credit Card
Lowest Rate Around at 19.99% APR*

The card offers the same benefits as our other cards-a low fixed APR*, flexible credit limits, and zero liability.

Purchase protection from Visa for added peace of mind. But with this card, you’ll earn 1% cash back on all your purchases! You’ll see the money deposited onto your credit card account at the end of every month.

Visa Non-Rewards Credit Card
Rates as low as 8.99% APR*

NCACU’s Visa Card costs less to carry and will save you money. Enjoy more versatility and use the card anywhere Visa is accepted. You’ll enjoy a low fixed rate, easy repayment options, and the opportunity to view and track your balances online in our mobile app. When you carry our card, you’ll save every day!

Visa Rewards Credit Card
Rates as low as 10.99% APR*

NCACU’s Visa Rewards Card costs less to carry and will save you money. Enjoy versatility and use the card anywhere Visa is accepted. You’ll enjoy a low fixed rate, easy repayment options, and the opportunity to earn one point for every dollar in purchases. The more you spend, the more points you earn!

Watch your points accumulate, and then redeem for gifts and more. Also try it on our new mobile platform! You can receive exciting merchandise, travel perks, gift cards, and more.

Your Rewards Card makes sense for convenience, affordability, and the opportunity for rewards every time you spend.

Be sure to check out our Scorecard rewards program here Visa Score Card Gift Catalog or here Visa Score Card Travel Catalog.

Also view the catalog online!

It’s a Great Time To Transfer Cards!

Transfer your current credit card balance to our lower-interest credit cards to save on fees and interest!!  We offer fixed rates, no balance transfer fees, no penalty APRs, and we have the Scorecard Rewards program.

LOST OR STOLEN CARD

You can report a lost or stolen credit/debit card using the numbers listed for the card you need to report. It is important that you call the correct number as each is specific to the type of card you are using.

Please note that you may be asked to give your name, our full business name (North Central Area Credit Union), and the last four digits of your Social Security Number, your address or phone number in order to verify your account.

During Business Hours
Monday – Thursday 8:30 am – 5 pm; Friday 8:30 am – 5:30 pm
Please call our Service Center at (989) 910-5135

After Hours/Weekends
VISA Credit Card (800) 847-2911
ATM/MasterCard Debit Card (888) 241-2510

Out of the Country
VISA Credit Card: (Collect) (401) 581-9994
ATM/MasterCard Debit Card: (909) 941-1398

*APR=Annual Percentage Rate, rates, terms, and conditions may apply.
We Have Been Notified of Phishing Attacks That Have Spoofed NCACU. Please DO NOT click on any links or give out Personal information by text, email or phone. When in doubt call the Service Center.