NCACU is dedicated to establishing trusting relationships with our members, and going the extra mile to help you reach your financial goals. Credit unions are democratically owned and controlled institutions based on People Helping People principles. Credit union boards of directors are elected by the members; each member has one vote, regardless of how much money they have.
Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates, and lower cost for services.
Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on savings, lower loan rates, and lower cost for services.
Services
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At NCACU our consumer loan application process just got EASIER! We have DROPPED our rates and EXTENDED our terms and we are watching member SAVINGS pile up! We can finance your auto, motorcycle, recreational vehicle, snowmobile, classic car or boat. If you have already made your purchase through a dealer or another lender, come talk to us, and let's see if we can save you money.
Secured Loans
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It's important that you are confident that you can make your loan payments even when something unforeseen happens. For a low monthly fee NCACU offers life, short-term disability, and long-term disability insurance. It is our way of offering you peace of mind. Ask your Member Service Specialist for details when you apply.
Confirm Insurance
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You can use this secure site to provide proof of current insurance as a condition of your loan. You can also check the status of your submission or view the insurance history of your loan. The link also has answers to the most commonly asked questions about the insurance reporting process. The information you provide is kept private and is only used to complete your insurance coverage record with us.
Credit Cards
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NCACU has two credit card options. Our Visa Classic at 12.90% APR* and Visa Gold at 10.90% APR* are available to all members depending on qualifications and credit records. There is no annual fee with either card. Don't have an NCACU Visa yet? To apply just download our VISA Application, fill it out and mail it in or bring it your local branch.
Debit Cards
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Using a debit MasterCard to manage your finances is more convenient than using checks because funds are immediately deducted from your share draft account. Having an electronic record of every transaction the moment you make it can be a real time saver, and makes keeping track of what you spend a snap.
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