NICCU - Credit & Debit Cards

Credit & Debit Cards

Credit Cards
The reasons are clear.

No annual fee. You don't have to pay for the privilege of carrying our card.

No high interest rates. Our interest rate is presently at a low 10.99% APR, while millions of Americans are paying more than 19%.

Personal Pin ATM Access.

25-day interest-free grace period on purchases. If you prefer not to pay interest, you can pay the entire balance in full by the payment due date and incur no finance charge.

Pay your MasterCard Payment on-line. Now you can pay your MasterCard payment on line at www.mycardinfo.com . You can have the funds pulled directly from your share draft account or your savings account or you can set up a monthly automatic transfer from your account. Visit www.mycardinfo.com for more information.

Contact our office for more information on obtaining an NICCU MasterCard.

Debit Check Cards

Here at NICCU we have MasterCard Debit Cards. They are available with any checking account.

* No Monthly or Annual Fee
* No Charges for ATM withdrawals anywhere
* Privileged Status Program (Thousands of Free ATMs)
* No Charges for Purchases made with your card EVER!

Call today or stop in and pick up your application.

More Info about Debit Cards

Debit cards are also known as check cards. Debit cards look like credit cards or ATM (automated teller machine) cards, but operate like cash or a personal check. Debit cards are different from credit cards. While a credit card is a way to "pay later," a debit card is a way to "pay now." When you use a debit card, your money is quickly deducted from your checking or savings account.

Debit cards are accepted at many locations, including grocery stores, retail stores, gasoline stations, and restaurants. You can use your card anywhere merchants display your card’s brand name or logo. (For example, MasterCard or Visa.) They offer an alternative to carrying a checkbook or cash.

What is the difference between "debit" and "credit?" Debit means subtract. When you use a debit card, you are subtracting your money from you own credit union account. Debit cards allow you to spend only what is in your account. It is a quick transaction between the merchant and your personal bank account.

What you should know about debit cards:

Using a debit card frees you from carrying cash or a checkbook

Using a debit card means you no longer have to stock up on traveler’s checks or cash when you travel.

Debit cards may be more readily accepted by merchants than checks, especially in other states or countries wherever your card brand is accepted

The debit card is a quick, "pay now" product, giving you no grace period.

Returning goods or canceling services purchased with a debit card is treated as if the purchase were made with cash or a check.

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