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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. Don’t have a North Central credit card yet? Apply through the Service Center (989) 910-5135 or at your local branch.

Why it makes sense to do a balance transfer to NCACU

Ways to save:

  • A rate of 4.99% APR** will immediately reduce your interest expense.
  • Make as many transfers as needed with no balance transfer fees. (Compare this to some banks that charge for balance transfers, usually a percentage of the balance.)
  • Eliminate multiple payments and pay down debt faster.

Save all year with this low rate!

How to transfer:

  • Verify your current balance of other credit cards.
  • Request to transfer: Call (989) 910 -5135.
  • Remember never to email us your personal information.

You’ll see immediate savings and improve your cash flow

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. 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*

The more you spend, the more points you earn! Watch your points accumulate, and then redeem for gifts and more. 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.

Log into your Rewards catalog online!

ScoreCard Rewards Telephone:
Call 1-800-854-0790
24 hour support; closed major holidays

Each of our cards have these incredible features:

  • Low Fixed Rate
  • 10-Day Grace Period
  • No Annual Fee
  • Save with no balance transfer fees
  • Free eStatements for security
  • Make payments and track balances on your mobile device and online.
  • Use as Overdraft Protection with Checking
  • Monitor your transactions and set alerts to avoid fraud, right in our mobile app
  • Purchase protection from Visa for added peace of mind



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 and terms subject to change without notice. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs.
**APR = Annual Percentage Rate. All three credit cards qualify for the promotion. Balance transfer rate is effective on balance transfers for the first 12 months. After 12 months, remaining balances will begin incurring interest at your card’s standard Retail/Purchase APR as disclosed in your cardholder agreement. Your account must be in good standing. Rates and terms are subject to change without notice. Rewards and/or rebates are not eligible with this offer. Payments made to your account will be applied first to any finance charges/interest and other fees due and then to the unpaid principal balance with the highest APRs. Offer is not good on other current NCACU card balances. Other restrictions may apply; applicant must meet current credit criteria, and we may need to pull a new credit report.