Visa^® Credit Card

Save money with a great low rate and no annual fee with an NCPAFCU Visa credit card.


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Primary Features

• 12.50% - 15.50% Variable APR¹ applies to:
  • purchases²
  • balance transfers²
• Grace period for purchases and balance transfers if the balance is paid in full each month²
• No annual fee

How to Apply³
You can apply online through Press Pass, in-person at your local branch, or by calling Member Services at (888) 732-8562.

Note: Member Services offers Lending Services from 8:00 am – 9:00 pm (Eastern).

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Tap to Pay
The “tap to pay” feature on your contactless card allows you to make payments with participating merchants at contactless-enabled checkout terminals.

Learn more about tap to pay >>

Balance Transfers
Pay off your credit card balances from other institutions by transferring your balance to your NCPAFCU Visa credit card with no balance transfer fee.² Request a Balance Transfer Online or stop by your local branch for processing.

NortonLifeLock^TM Protection
No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can give you greater peace of mind. ID Navigator Powered by NortonLifeLock helps guide you with tools so you can act quickly.

Learn more about ID Navigator Powered by NortonLifeLock >>

E-Statements
Monthly and annual transaction statements are available online.

Learn more about E-Statements >>

Customize Your PIN
To customize or reset your PIN, call (888) 886-0083 and follow the prompts.

Credit Line Increase
If you already have our Visa credit card and need additional buying power, you can request a credit line increase⁴ through Press Pass, at your local branch or by calling Member Services at (888) 732-8562. Additionally, we may automatically increase your credit limit from time to time based on your repayment history and other factors. We will notify you of any automated increase. Contact us if you’d like to decline any automated increases.

Note: Member Services offers Lending Services from 8:00 am – 9:00 pm (Eastern).

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For further information regarding the NCPAFCU Visa credit card program, please refer to your Credit Cardholder Agreement on the Account Disclosures page.

Lost or stolen cards must be reported immediately to your local branch or by calling 888-732-8562 / 919-857-2150.


¹APR = Annual Percentage Rate. APR is the cost over the loan term expressed as a rate. The variable APR for purchases and balance transfers equals the U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on your creditworthiness at account opening. The variable APR is subject to change, with the U.S. Prime Rate, as published in The Wall Street Journal on the first day of your billing period that begins in January, April, July and October. Cash Advances have a fixed APR of 18.00%. The APR will not exceed the maximum permitted by applicable law.
²Interest begins to accrue on Purchases and Balance Transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances.
³Members must be 18 years of age or older to be eligible for lending services. New lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia.
⁴Credit line increases are permitted for existing credit cards regardless of the state in which you reside.