Low Introductory Rate
Save with 3.90% introductory APR on purchases and balance transfers.*
Great Everyday Rate
After the introductory period, enjoy ongoing saving with 9.95% to 20.95%.**
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.
Online Balance Transfer
Easily transfer higher-rate balances to your REAL FREEDOM card through your home banking access.
EMV Chip Security
Our cards come with chip technology to ensure a higher level of protection against fraudulent activity. Learn more about EMV Chip Security here.
*Offer available on new accounts only. All purchases posted to the account during the first 180 days after the account open date, up to your available credit limit, will receive a promotional 3.90% APR. At day 181, the APR for any remaining purchase balance will increase to the standard APR and all subsequent purchases will receive the standard APR.
All balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 3.90% APR. At day 366, the APR for any remaining cash advance balance will increase to the standard APR and all subsequent cash advances will receive the standard APR.
Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union.
All existing payment terms apply.
**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.