Credit union · NCUA insured
North Central Area Credit Union Credit Card Rates
Top CarrotNorth Central Area Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How North Central Area Credit Union’s credit card rates compare
Compared with banks and credit unions near Grand Rapids, MI, where North Central Area Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
North Central Area Credit Union
8.99%APR
Non-Rewards
Lowest rate
River Valley Credit Union
7.50%APR
2nd-lowest rate
Muskegon Federal Credit Union
7.90%APR
North Central Area Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Central Area Credit Union 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.
Cash-Back
No annual fee. Earn 1% cash back on all purchases deposited onto credit card account at end of month.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.99% | None | Low fixed APR. Payments applied first to finance charges/interest and other fees due and then to unpaid principal balance with highest APRs. |
| Ongoing | 19.99% | None | Actual loan rate may vary and is determined by creditworthiness. Member must be in good standing. |
Non-Rewards
No annual fee. No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99% | None | Rates as low as 8.99% APR. Low fixed rate. |
| Ongoing | 8.99% | None | Actual loan rate may vary and is determined by creditworthiness. Member must be in good standing. |
| Intro, 12 months | 4.99% | None | Balance transfer APR discount is 4% less than the APR listed on cardholder agreement (promoted rate reflects 8.99% APR with 4% off for 12 months). Effective for first 12 months. Account must be in good standing. |
Rewards
No annual fee. Points accrued through North Central Rewards program. Rewards cardholders with an international address are not eligible to earn rewards.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99% | None | Rates as low as 10.99% APR. Low fixed rate. |
| Ongoing | 10.99% | None | Actual loan rate may vary and is determined by creditworthiness. Member must be in good standing. |
Who can join North Central Area Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, worships, or attends school in Michigan is eligible to join.
Membership information collected October 5, 2026.