If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 1-888-387-8632 for assistance.
24-Hour Member Service: (888) 387-8632
Locations & Hours

VISA Credit Cards

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

Premier Plus VISA®

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

Premier VISA®

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

VISA® Classic

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

Secured VISA®

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

VISA Balance Transfers

Want to use your 1st Nor Cal VISA to pay off your non-1st Nor Cal high interest credit cards or other revolving credit balances? It’s simple. Just log into @ccessOnline Home Banking and transfer funds to your 1st Nor Cal checking account. Then, simply write checks or use Online BillPay to make payments to pay off those balances. If you need help, just give us a call. Balance transfers are free at 1st Nor Cal.

– – – – – – – – – –

Click HERE to view current loan rates.
Click HERE to view the Cost Recovery Fee Schedule.

Apply Now

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

– – – – – – – – – –

1st Nor Cal Visa payments:
If you have @ccessOnline Home Banking with us, simply transfer a payment to your Visa 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 Visa 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
(800) 682-6075

To activate your Visa Credit Card:
Call (800) 411-6390 or visit www.activatemycards.com.

To change your PIN:
Call (877) 746-6746

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

– – – – – – – – – –

*No fee for Balance Transfer and Cash Advance transactions completed at any 1st Nor Cal Credit Union branch location. Fee for Cash Advance transactions that take place anywhere other than at a 1st Nor Cal Credit Union branch is $3.00 or 3.00% of the amount of each transfer or advance, whichever is greater (maximum fee: $50.00).

1Annual Percentage Rates (APR) are subject to change without notice. Rate, maximum term, maximum loan amount and advance amount based on credit qualifications. All loans subject to credit approval. Must be 18 or older to apply.

Go to our Credit Card Disclosure webpage to learn more and read important information about our credit card terms and conditions.