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Deposit Rates*
Checking / APY
Share / APY
Money Market / APY
Health Savings / APY

Loan Rates*
Used Vehicle APR
5-Year ARM / APR
Visa Credit Card APR

Visa® Credit Card


Primary Features
  • 8.75% Variable APR (Annual Percentage Rate)1 applies to:
    • purchases
    • cash advance
    • balance transfers
  • Not an introductory rate
  • All members get this great rate
    • Members must be 18 years of age or older to be eligible for lending services
  • Grace period for purchases if the balance is paid in full each month
  • No annual fee
  • Lending is limited to residents of North Carolina
Other Features
  • No balance transfer fees, but interest begins to accrue immediately
  • Can be used for overdraft on your checking account
  • Additional security protection by enrolling in Verified by Visa®
  • Rental car protection through the Visa® Auto Rental Collision Damage Waiver Program
  • Monthly and annual transaction statements available online
  • Photo may be added for additional security
Customize Your PIN
In order to select your own PIN, call (888) 886-0083 and follow the prompts to customize or reset your PIN.

Balance Transfers
As a service to our members we also offer the ability to transfer your credit card balance from another institution to an NCPAFCU Visa credit card with no transfer fee. However, interest begins to accrue immediately. To transfer your balance to an NCPAFCU credit card please bring a completed Balance Transfer Request Form or your last credit card statement from your other financial institution(s) into your local branch for processing.

For further information regarding the NCPAFCU Visa credit card program, please refer to the Truth in Lending Disclosure and Cardholder Agreement.

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

1The variable APR is subject to change quarterly and is based on the 26-week Treasury Bill Auction held each quarter which establishes the index. A margin of 7.5% is added to the index to establish the interest rate. No minimum interest rate, maximum rate of 18.00% Variable APR.