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
Choose the right card for you!
 |
 |
 |
| Cash-Back | Non-Rewards | Rewards |
|---|---|---|
| 19.99% APR* | Rates as low as 8.99% APR* | Rates as low as 10.99% 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. | 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! | 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. |
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
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