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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


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


Apply Now

Primary Features
  • 7.75% Variable APR1, 2 applies to:
    • purchases
    • cash advances3
    • balance transfers3 and overdraft transfers3
  • Grace period for purchases if the balance is paid in full each month
  • No annual fee
How to Apply4
You can apply online through Press Pass, in-person at your local branch, or by phone at (888) 732-8562.



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.3

Transfer balances to your NCPAFCU credit card, online or in person.

Online: Complete a credit card cash advance from your existing NCPAFCU Visa Credit Card to your Checking account via Press Pass, and then create a BillPay payment from your Checking account to pay your credit card account with other institutions.

In-Person: Complete the Balance Transfer Request Form and take it to your local branch for processing. You can also bring in your last credit card statements from your other financial institutions.

Overdraft Protection
Use your Visa Credit Card to prevent NSF (non-sufficient funds) fees and an overdrawn NCPAFCU checking account.3

Learn more about Overdraft Transfer Service >>

NortonLifeLockTM 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 >>

Security Photo
Your member identification photo may appear on your card for additional security.

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 increase5 through Press Pass, at your local branch or by calling our 24/7 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.



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.


1APR=Annual Percentage Rate. APR is the cost over the loan term expressed as a rate.
2The APR is 7.50% plus the Index Rate. The Index Rate is the 26-week Treasury Bill rate set at the first T-Bill Auction held each quarter and adjusted up to the nearest 0.25%. The Index Rate and APR are subject to change quarterly. There is no minimum interest rate. The maximum rate is 18.00% variable APR.
3Interest begins to accrue immediately at time of cash advance, balance transfer, and overdraft transfer.
4Members must be 18 years of age or older to be eligible for lending services. New lending is limited to residents of North Carolina.
5Credit line increases are permitted for existing credit cards regardless of the state in which you reside.