Credit union · NCUA insured
North Coast Credit Union Credit Card Rates
North Coast Credit Union credit cards start at 11.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How North Coast Credit Union’s credit card rates compare
Compared with banks and credit unions near Mount Vernon, WA, where North Coast Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
North Coast Credit Union
11.99%APR
- Annual fee
- $50
- Up to
- 16.99% APR
BIG Rewards Credit Card
Lowest rate
Heritage Bank
11.50%APR
- Annual fee
- None
- Up to
- 19.50% APR
3rd-lowest rate
Global Credit Union
12.50%APR
- Annual fee
- None
- Up to
- 18.00% APR
North Coast Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR11.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where North Coast 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.
BIG Rewards Credit Card
Fixed rate starting at 11.99% APR (11.990% to 16.990% APR). Maximum loan of $10,000 based on credit tier. Annual fee is $50, waived for the first year, and no annual fee ever for members with FREE Smart Checking / Smart Account member relationship. Monthly payments minimum 1.5% of balance. Earn 1 reward point per $1 charged (1% cash back). No fees for cash advances.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 11.99%–16.99% | $50 | Regular purchase APR is 11.99% to 16.99% (starting at 11.99% fixed rate) based on creditworthiness. Annual fee is $50, waived for the first year, or no annual fee ever for members with FREE Smart Checking / Smart Account relationship. Monthly payments minimum 1.5% of balance. |
| Ongoing | 2.99% | $50 | Balance Transfer Special: Transfer qualifying balances from other credit cards between April 15, 2026 and October 15, 2026 to receive intro APR as low as 2.99% through October 15, 2027. Rate returns to regular qualified rate on October 16, 2027. Current NCCU card balances are not eligible. Subject to credit approval. |
No Annual Fee Credit Card
Fixed rate starting at 13.99% APR. Maximum loan of $10,000 based on credit tier. No annual fee. Monthly payments minimum 1.5% of balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–17.99% | None | Regular purchase APR is 13.99% to 17.99% (starting at 13.99% fixed rate) based on creditworthiness. No annual fee. Monthly payments minimum 1.5% of balance. |
| Ongoing | 2.99% | None | Balance Transfer Special: Transfer qualifying balances from other credit cards between April 15, 2026 and October 15, 2026 to receive intro APR as low as 2.99% through October 15, 2027. Rate returns to regular qualified rate on October 16, 2027. Current NCCU card balances are not eligible. Subject to credit approval. |
Who can join North Coast Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is eligible to anyone who lives, works, attends school, or worships in Washington State.
Membership information collected October 4, 2026.