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Credit Cards

NCACU has two credit card options. Our Visa Classic at 12.90% APR* and Visa Gold at 10.90% APR* are available to all members depending on qualifications and credit records. There is no annual fee with either card.  Don’t have an NCACU Visa yet? To apply, just download our Visa App 2022 fill it out and mail it in or bring it to your local branch.

*APR=Annual Percentage Rate, rates, terms, and conditions may apply.

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

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, your rate is not determined by credit score and we have a rewards program.

Card Lost or Stolen?

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 – Friday  9am – 5pm Please call our Service Center at (989) 910-5135.  After Hours VISA Credit Card 800-369-4887 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

Reminder: You Must Accept The User Agreement In Email for E-Statements Before Enrollment Is Active!