Back to School with NCACU:  

Your Blueprint to Hassle-Free Preparation! 

As the summer days wind down, back-to-school preparations are in full swing. At North Central Area Credit Union, we’re here to ensure you and your family are ready for the new school year without financial stress. With a variety of funding options, competitive rates, and convenient services, NCACU is your one-stop solution for all back-to-school needs. 

Plan for the Best Back-to-School Experience 

The key to a successful and stress-free back-to-school season is planning. Here are some steps to help you get started: 

1. Make a Checklist: List all the essentials your child needs, from school supplies and textbooks to electronics and clothing. 
2. Set a Budget: Determine how much you can afford to spend. Having a budget helps prevent overspending and ensures you cover all necessary expenses. 
3. Explore Funding Options: Consider various financing options to spread out the cost and better manage your expenses. 
4. Shop Smart: Take advantage of sales, discounts, and tax-free weekends. Shopping early can also help you avoid last-minute rushes and stock shortages. 

Funding Options: At NCACU, we offer multiple funding solutions to help you manage back-to-school expenses efficiently. Whether you need a credit card, personal loan, or electronic tools, we’ve got you covered.  

NCACU Visa Credit Cards 

Our Visa credit cards are designed to suit different needs and preferences, offering flexibility, competitive rates, and additional perks. Here’s a closer look at our card options: 

All our Visa® Credit Cards offer these excellent features: 

• Competitive APR 
• 10-Day Grace Period 
• No Annual Fee 
• No Balance Transfer Fees 
• Free eStatements 
• Mobile and Online Payment and Tracking 
• Overdraft Protection with Checking 
• Fraud Alerts and Monitoring 
• Zero Liability and Purchase Protection 

Need help to redeem your points? For assistance with our Rewards program, contact ScoreCard Rewards at 1-800-854-0790 (24-hour support, closed major holidays). 

Personal Loans 

If you prefer a more straightforward financing option, our personal loans are perfect for any back-to-school need, whether it’s clothes, tuition, books, supplies, or dorm room furnishings. Here are the details: 

Unsecured Personal Loans 

• APR: 10.24%* 
• Benefits: Versatile loan amounts, easy repayment, use for any back-to-school need. 
• Features: Competitive fixed rates and no collateral required. 
• Online Approval: Apply for small personal loans quickly and conveniently online. 

Convenient Services   

In addition to low-cost funding options, NCACU offers a range of electronic and mobile tools to make getting back to school easier: 

• Mobile Banking App: Track your balances, make payments, and monitor transactions on the go. Set alerts to avoid fraud and manage your finances efficiently. (Our app is also perfect for teens and college kids!) 
• Online Banking: Access your account from anywhere, anytime. View eStatements, transfer funds, and pay bills with ease. 
• Transfer Funds: Stay connected with your college student and transfer funds quickly between your account and your child’s 

There’s A Lot to Consider 

At NCACU, we understand the challenges of back-to-school preparation and are committed to providing the financial support you need. Whether you choose our versatile Visa Credit Cards, a low-cost Personal Loan, or tap into all our convenient electronic tools, we’re here to help you make this school year the best one yet. 

Visit our website or visit your nearest NCACU branch to explore our back-to-school financing options and find the right solution for your needs. Let’s make this back-to-school season smooth and successful together! 

For more information, contact us at (989) 910-5135 or visit our website. We’re here to support you every step of the way. 

*APR = Annual Percentage Rate. Rates are subject to change and based on creditworthiness. Terms and conditions apply.