Credit union · NCUA insured
NCCFCU Credit Card Rates
NCCFCU credit cards start at 10.50% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How NCCFCU’s credit card rates compare
Compared with banks and credit unions near Goldsboro, NC, where NCCFCU has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
NCCFCU
10.50%APR
- Up to
- —
Visa Platinum Credit Card
2nd-lowest rate
State Employees' Credit Union
11.50%APR
- Up to
- 14.50% APR
3rd-lowest rate
First Bank
13.40%APR
- Up to
- 23.40% APR
NCCFCU credit card score
81
Credit card score
Higher than 54% of U.S. banks and credit unions
- Purchase APRPurchase APR10.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where NCCFCU ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum Credit Card
Fixed interest rate. 'As low as' rates may be adjusted based on credit performance and loan to value; additional terms may apply. Maximum rate is 18.00%. No annual fee. No balance transfer fee (balance transfers facilitated via cash advance incur a 3.00% cash advance fee, not to exceed $10.00 total).
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.50% | None | 'As low as' rate based on credit performance and loan to value; maximum rate is 18.00%. No annual fee. Free balance transfers (no balance transfer fee). |
Who can join NCCFCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Wayne County, NC are eligible to join.
Other ways
- North Carolina residents who do not meet Wayne County criteria can join by making a one-time $5.00 tax-deductible donation to the Your Community Foundation.
Cost to join
- Opening a savings account requires a $1 deposit.
- A one-time $5.00 tax-deductible donation to the Your Community Foundation is required for the statewide residency eligibility path.
Membership information collected October 4, 2026.