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24-Hour Member Service: (888) 387-8632
Locations & Hours

VISA Credit Cards

Image of Sample 1st Nor Cal 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.

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Click HERE to view current loan rates.

Apply Now

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

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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

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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    1st Nor Cal CU as fraudulent and that are reported to 1st 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:

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

To ensure coverage, you must report fraud in a timely manner. Fraudulent debit transactions must be reported to 1st 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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*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.