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Maxed Out?

Don’t stay buried in holiday debt! Take advantage of our credit card transfer special, with rates as low as 4.99% APR*. 


Start the year fresh and lower your monthly payments. Transfer your high-rate credit card balances to your NCACU Visa® Credit Card and save with rates as low as 4.99% APR* and no balance transfer fees! 

Save money: 

  • Rates as low as 4.99% APR* will reduce the interest you pay — and lower your payment amount. 
  • Transfer any balances to our card with no balance transfer fees.   
  • Eliminate multiple payments and pay down debt faster. 

Save with this low rate for the first 12 months of your transfer. But hurry; this offer won’t last long! 

Roll your balances to us: 

  • Start by verifying your balances on other credit cards. 
  • Make your request: Call us at (989) 910-5135. 
  • Remember never to email us your personal information. 

You’ll see immediate savings and improve your cash flow.  

Shop anywhere:  

  • Enjoy our already low (standard) rate on all new purchases. 
  • Use your card anywhere Visa is accepted. 

Apply today! 

If you’re not a cardholder, apply online or call (989) 910-5135.  

Need a larger line? 

Don’t get caught short. Use this HANDY LINK to request a larger credit line. 

*APR = Annual Percentage Rate. All NCACU accounts in goodstanding qualify for the promotion. 4.99% is our advertised ‘as low as’ rate; your balance transfer rate may vary and will be 4 basis points off your approved rate. This rate is effective on balance transfers for the first 12 months. After 12 months, the remaining balances will begin incurring interest at your card’s standard Retail/Purchase APR as disclosed in your cardholder agreement. 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. The offer is not good on current NCACU credit card balances. Other restrictions may apply; the applicant must meet current credit criteria, and we may need to pull a new credit report. Rates and terms are subject to change without notice.
 
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.