Credit Cards

We offer a variety of Credit Cards with Low Interest Rates, No Annual Fees, No Balance Transfer Fees, and No Cash Advance Fees*!

Premier Plus Credit Card

• 8.90% Annual Percentage Rate¹
• Up to $20,000 Credit Limit

Premier Credit Card

• 9.90% Annual Percentage Rate¹
• Up to $15,000 Credit Limit

Classic Credit Card

• 11.90% Annual Percentage Rate¹
• Up to $10,000 Credit Limit

Secured Credit Card

• 7.90% Annual Percentage Rate¹
• Up to $10,000 Credit Limit
• 100% of credit limit secured by member’s Share Savings Account

Balance Transfers

One of the most powerful features of a 1st Nor Cal credit card is its fee-free* balance transfer benefit. If you’re carrying debt on higher-interest credit cards, you can apply for a balance transfer through 1st Nor Cal’s @ccessOnline Home Banking, and after approval, transfer your current credit card balances onto a 1st Nor Cal credit card. After logging into your 1st Nor Cal account, you’ll find the application by clicking “Balance Transfer” under “Services.” Once approved, you can continue paying off your balances by writing a check, transferring funds from your current bank account, or depositing money into a 1st Nor Cal Checking or Savings account and making your payment from there – all at a much lower interest rate.

Click HERE to view current loan rates.

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Not a member yet?
Click HERE to apply for Membership.

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1st Nor Cal Credit Card payments:
If you have @ccessOnline Home Banking with us, simply transfer a payment to your Credit Card. Setting up a regular payment using Bill Pay in @ccessOnline Home Banking will generate a check and that will delay your payment. Instead, you can set up a single or recurring transfer. A transfer is immediate.

Mailed Credit Card payments go to:
1st Nor Cal Credit Union
P.O, Box 509
Martinez, CA 94553-0144
Payments mailed to any other 1st Nor Cal address will be delayed.

Contact Information
For any inquiries related to the 1st Nor Cal^® Credit Union Credit Card Agreement,
call us at (888) 387-8632, or write the credit union at:

1st Nor Cal Credit Union
P.O. Box 509
Martinez, CA 94553-0144

24-Hour Lost or Stolen Cards
(888) 387-8632

To activate your Credit Card:
Call (800) 290-7893 or for outside US call (206) 624-7998

To change your PIN:
Call (800) 290-7893 or for outside US call (206) 624-7998

For all other Credit Card questions:
Call (925) 335-3850

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Our Zero Liability Policy Ensures You Won’t Lose Money Due to Fraud

Security of our members’ accounts is our top priority. That’s why you can relax knowing you’re backed by our Zero Liability policy. Shop where you want, store your card info with your favorite merchants and set up payments with your billers without needing to think twice.

Here’s everything you need to know about our Zero Liability policy—we’ve got your back!

What’s Zero Liability?

The Zero Liability policy is our commitment to get your money back, often the same day, when you’re a victim of fraud. We’ll investigate your fraud claim on your behalf and issue you a provisional credit. The Zero Liability policy only covers transactions that have been confirmed by    1^st Nor Cal CU as fraudulent and that are reported to 1^st Nor Cal CU in a timely manner. You must report suspected fraud as soon as possible.

What’s covered by the Zero Liability policy?

Fraudulent transactions made with the following cards:

• 1^st Nor Cal CU Debit Cards
• 1^st Nor Cal CU Credit Cards

To ensure coverage, you must report fraud in a timely manner. Fraudulent debit transactions must be reported to 1^st Nor Cal CU within 60 days of the statement date.

What’s an authorized transaction vs. fraud?

An authorized transaction is one that you made and approved. Fraud is a transaction that you didn’t make or approve. If someone steals your payment information and makes transactions, you didn’t authorize those and they’re considered fraud.

Are peer-to-peer payments or payments to others in the form of gift cards covered by the Zero Liability policy?

Payments to others using peer-to-peer services (such as Zelle® or Venmo):

Zero Liability doesn’t cover authorized purchases made through peer-to-peer services. If you authorize a peer-to-peer payment for a good or service and don’t receive the good or service as promised, it’s not covered by the policy. For example, if you transfer someone money to pay for concert tickets and you don’t receive the tickets, this isn’t covered by Zero Liability. Be cautious of who you pay with peer-to-peer payments; it’s like paying someone with cash. If someone steals your account credentials and makes a peer-to-peer transaction without your consent, you’re covered.

How can members submit a claim for fraud/Zero Liability?

If you notice unauthorized transactions, you should report them immediately.

What happens after a claim is submitted?

We’ll investigate your fraud claim on your behalf and issue you a provisional credit. Further information may be gathered as we investigate. You’ll receive a final letter stating the outcome of the investigation and closing of the case.

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