Credit union · NCUA insured
NCPA Federal Credit Union Credit Card Rates
NCPA Federal Credit Union credit card rates start at 11.50% APR. Rates checked October 22, 2026.
How NCPA Federal Credit Union’s credit card rates compare
Compared with banks and credit unions nationwide. Ongoing purchase APR, lowest first.
This credit union’s lowest
NCPA Federal Credit Union
11.50%APR
- Up to
- 14.50% APR
Visa® Credit Card
Lowest rate
Harris County Federal Credit Union
5.90%APR
- Up to
- —
2nd-lowest rate
Rio Grande Valley Credit Union
5.90%APR
- Up to
- 18.00% APR
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® Credit Card
Members must be 18 years of age or older to be eligible for lending services. New lending is limited to residents of North Carolina, South Carolina, Georgia, Tennessee and Virginia. All loans subject to Credit Union underwriting standards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.50%–14.50% | None | Variable APR on purchases. Equals U.S. Prime Rate plus a margin of between 4.50% and 7.50%, based on creditworthiness at account opening. Variable APR subject to change with the U.S. Prime Rate as published in The Wall Street Journal on the first day of billing period that begins in January, April, July and October. Interest begins to accrue from the day transaction is added to daily balance; avoid paying interest if entire balance for prior billing cycle paid by payment due date. |
| Ongoing | 18.00% | None | Cash advances have a fixed APR of 18.00%. You cannot avoid paying interest on cash advances. |
Sources (2)
All captured Oct 22, 2026
Who can join NCPA Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of North Carolina newspapers that belong to the N.C. Press Association (NCPA), except those whose newspapers have their own credit union, are eligible for membership.
- Individuals retired from eligible NCPA newspapers as pensioners and/or annuitants, including vested former employees, are eligible for membership.
Family and household
- Immediate family members of an existing NCPAFCU member are eligible for membership.
- Un-remarried spouses of persons who died while within the field of membership are eligible for membership.
Cost to join
- Eligible persons age 12 and under can join by opening a FAT CAT® Share Account with a minimum deposit of $5.
- Membership requires opening a share account with a minimum deposit of $25.
Membership information collected October 4, 2026.