Deposit Rates*
Checking
0.15 / 0.15 APY
Share
0.50 / 0.50 APY
Money Market
2.50 / 2.53 APY
Health Savings
2.50 / 2.53 APY
Loan Rates as low as*
Used Auto
6.25 APR
5-Year ARM
5.500 / 5.745 APR
Visa® Credit Card
12.00 APR
Debit Cards
Your Credit Union debit card offers a convenient way to access funds, make purchases and obtain account information in person, online or over the phone. We offer a variety of debit card services that will suit your needs.
Features
Report Lost or Stolen
Security features and round-the-clock fraud monitoring help block potential fraud.
Contactless Payments
Check out in seconds with your contactless card1 and Visa’s® secure tap to pay technology.
Monitor with Alerts
Monitor your debit card activity on-the-go when you register for Debit Card Alerts.
Accepted Worldwide
Use at national Interlink® and Maestro® merchants and Visa merchants2 worldwide.
Pay without Plastic
Add cards to your digital wallet to simplify and secure your shopping with Mobile Payments.3
Statewide ATMs
CashPoints® ATMs are available across NC for 24/7 account access.4
Pay with Confidence
Our $0 liability policy for unauthorized purchase transactions means you are not responsible for fraudulent transactions on your card if reported in a timely manner. If you notice transactions that you did not make or approve, notify us immediately at (888) 732-8562. If you do not report fraud in a timely manner, we may not be able to reimburse you.
See your Account Disclosures for more details.
NCPAFCU Debit Cards
| Card Type | Account Required | Daily Purchase Limit5 | Daily Withdrawal Limit6 |
|---|---|---|---|
| NCPAFCU Visa | Checking | $4,000 | $1,000 |
| Zard Visa | Zard Checking | $1,000 | $200 |
| NCPAFCU HSA | Health Savings Account (HSA) | $4,000 | $1,000 |
| CashPoints Global | CashPoints Global (CPG) | $4,000 | $1,000 |
| NCPAFCU CashPoints | Share9 | $4,0009 | $1,000 |
| Zard CashPoints | Zard Share9 | $5009 | $200 |
| FAT CAT CashPoints | FAT CAT Share9 | $5009 | $200 |
Debit Card FAQs
1 CashPoints cards are not issued as contactless cards and are not compatible with contactless payment technology.
2 CashPoints cards do not bear the Visa logo and cannot be used to complete Visa transactions.
3 CashPoints cards are not eligible for use with Mobile Payments.
4 NCPAFCU assesses a surcharge for withdrawals using certain non-NCPAFCU issued cards at CashPoints ATMs. You will be notified during the transaction before you are charged if the fee applies to your non-NCPAFCU issued card.
5 The daily purchase limit includes the maximum cash withdrawal limit per day. If cash is withdrawn, the amount available for purchases that day is reduced by the withdrawn cash amount.
6 Withdrawals can be made in multiples of $20 at CashPoints ATMs.
7 Funds in an HSA are for qualified medical expenses. Review our Health Savings Account for more information.
8 Card bears the Visa logo and can be used anywhere Visa debit cards are accepted.
9 A checking account is required to make purchases.
10 To receive Irregular Card Activity Alerts, you must have agreed to the terms of our Online Services Agreement and maintain your current text number with us. You can withdraw your consent to receive these alerts at any time by texting STOP or by calling our 24/7 Member Services.
*Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change daily at the discretion of the Board of Directors.
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North Carolina Press Association Federal Credit Union conducts all member business in English. All origination, servicing, collection, marketing, and informational materials are provided in English only. As a service to our members, we will attempt to assist those who have limited English proficiency where possible.