Natco REAL FREEDOM Visa Cards

Better Rates & No Hidden Fees


Everything you want & nothing you don't!

  • No Application Fee
  • No Balance Transfer Fee
  • No Account Setup Fee
  • No Over the Limit Fee
  • No Rewards Program Fee
  • No Annual Fee
  • No Cash Advance Fee
  • No Additional Card Fee
  • No Penalty APR or Penalty Fee
  • No Card Replacement Fee

The reasons to switch credit cards don't stop there.  Check out all of these other great benefits.

Card Options

We offer three different card options.  All come with a competitive rate.  We realize different things are important to different members.  That's why we offer a Secured Visa, a Simple Visa and a Rewards Visa.

Low Rates

Our rates are very competitive compared to other credit cards on the market, with rates starting as low as 9.45% APR1.

Introductory Rate Offered on Simple and Rewards Cards

Take advantage of 3.90% APR on purchases for the first 6 months from the account open date.2

Introductory Rate on Balance Transfers on Simple and Rewards Cards

Transfer balances from higher rate cards and receive 3.90% APR for balances transferred for the first 12 months from the account open date.3

Competitive Rewards

Earn 1 point for every $1 spent through our CURewards® program. Redeem your points for cash/statement credit, travel, merchandise or even gift cards….you choose. Learn more about CURewards®.4

Special Offers

With your REAL FREEDOM Rewards Visa, you'll have opportunities to earn bonus points from time to time – watch for promotions!

Security

With the EMV chip, you can count on enhanced fraud protection every time you use your card at a chip-enabled terminal in the US and abroad. Learn more about EMV chip card technology

Convenient Online Access

Save paper and keep your information more secure by receiving your monthly statement electronically. Plus, you can access your account information online, any time of day.

International Transactions

Your REAL FREEDOM card can be used anywhere, anytime, even international purchases. Alert the credit union prior to traveling, to help protect you from fraud.

International transactions incur a 1% foreign transaction fee.


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Terms & Conditions

1 APR = Annual Percentage Rate. The APR is based on creditworthiness.

2 The introductory APR for purchases will apply to transactions posted to your account during the first six months following the opening of your account. After the introductory APR expires, the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and cash advances will receive the standard APR for purchases and cash advances. The REAL FREEDOM Secured Visa is not eligible to receive this offer.

3 The introductory APR for balance transfers will apply to transactions posted to your account during the first twelve months following the opening of your account. After the introductory APR expires, the APR for any remaining cash advance balance will increase to the standard APR and all subsequent cash advances will receive the standard APR. The REAL FREEDOM Secured Visa is not eligible to receive this offer.

4 Rewards points are automatically earned by making eligible purchases with your REAL FREEDOM Rewards Visa. Each eligible purchase made by you, or someone you authorize, will earn 1 point for every dollar spent. To earn the bonus points, a minimum of $1,000 must be spent in the first 3 billing cycles (exclusive of credits, returns and adjustments). Your account must be in good standing to receive the bonus points. Rewards points calculate and are made available for redemption with each qualifying cycle.

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