What’s a better deal? The free gifts? Points or miles? Some credit card offers? Or a lower interest rate?

Of course, if you intend to carry a balance rather than pay it off every month, you know the interest rate is the most important thing to look for when choosing a credit card. But those bells and whistles sure can be tempting. Before deciding on a credit card, put a dollar value to whatever gift or rebate you’re getting. It’s no surprise that no matter what the bonus is, a lower rate wins every time.  

Our current rate for our VISA® is 12.00% APR* with the same rate for purchases and cash advances, also there is no annual fee!

Contact us for the VISA® application today!

You can now access your NCCDEFCU Credit Card account online through www.ezcardinfo.com.

* APR = annual percentage rate. Rate is based on credit worthiness, income and credit score.