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Terms & Conditions

Give Yourself Some Credit

Your payment history is reported to the credit bureaus, helping you establish a comprehensive credit rating.

No Annual Fee

Simple and straightforward to save you money.

Required Security Deposit

Your credit limit can be secured with a deposit as low as $500.

Competitive Everyday Rate

Enjoy ongoing saving with 18.95% APR.*

Everything You Want & Nothing You Don't

We've said, 'NO' to several fees you see on other cards – no application fee,  no annual fee, no balance transfer fee, no cash advance fee, no account set up fee, no over the limit fee, no rewards program fee, and no card replacement fee.

Convenient Online Account Management

You're always in control of your credit card account through home banking or through our mobile app!  View transactions, pay your bill, update personal information, and more using the app. Search for NCU CrCards in the App and Play stores.


*APR = Annual Percentage Rate.  Actual APR is based on member's FICO score, certain creditworthiness criteria and other factors.

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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