Natco REAL FREEDOM Visa
Options for Everyone
REAL FREEDOM
SECURED VISA
KEY
BENEFITS
SIMPLE VISA
REWARDS VISA
BUILD CREDIT WITH PEACE OF MIND
INSANELY GOOD RATES. NO HASSLES!
YOUR REWARD? GREAT REWARDS.
Secure a line with as little as $5001
Balance Transfer - 3.90% APR
for balances transferred for the first
12 months from account open date2
Balance Transfer - 3.90% APR
for balances transferred for the first
12 months from account open date2
Enjoy a low, low rate
Receive 1,000 bonus points when you
spend $1,000 in your first 3 billing cycles3
3.90% APR
on purchases for the first 6 months
from account open date.4
11.45% - 22.45% APR7
Begin to establish or rebuild
a positive credit history
INTRODUCTORY
APR
None
3.90% APR
on purchases for the first 6 months
from account open date.4
EVERYDAY
APR
18.45% APR5
9.45% - 20.45% APR6
ALL CARDS GIVE YOU ACCESS ON THE GO
Our convenient mobile app allows you to manage your card from anywhere. To download, search for NCU CrCards
in the App or Play Stores.
Custom mobile alerts help you keep your card secure. You can choose and customize when you want to be alerted.
Alerts are a great fraud deterrent!
EVERYTHING YOU WANT & NOTHING YOU DON’T!
No Application Fee
No Over the Limit Fee
No Additional Card Fee
No Balance Transfer Fee
No Annual Fee
No Penalty APR or Penalty Fee
No Account Setup Fee
No Cash Advance Fee
No Card Replacement Fee
TIPS ON HOW TO CHOOSE THE BEST CARD FOR YOU:
SECURED VISA
If you need to establish or rebuild your credit…
REAL FREEDOM Secured Visa may be the
best card for you.
SIMPLE VISA
If you carry a balance and are looking for a low,
low rate…REAL FREEDOM Simple Visa may
be the best card for you.
REWARDS VISA
If you use your credit card for everyday purchases
and enjoy earning rewards…the REAL FREEDOM
Rewards Visa may be the best card for you.
1 Funds used to secure the line must remain on deposit at Natco Credit Union.
2 The introductory APR for balance transfers will apply to transactions posted to your account during the first twelve months following the opening of your account. After the introductory APR expires, the APR for any
remaining cash advance balance will increase to the standard APR and all subsequent cash advances will receive the standard APR.
3 Rewards points are automatically earned by making eligible purchases with your REAL FREEDOM Rewards Visa. Each eligible purchase made by you, or someone you authorize, will earn 1 point for every dollar spent.
To earn the bonus points, a minimum of $1,000 must be spent in the first 3 billing cycles (exclusive of credits, returns and adjustments). Your account must be in good standing to receive the bonus points. Rewards points
calculate and are made available for redemption with each qualifying cycle.
4 APR = Annual Percentage Rate. The introductory APR for purchases will apply to transactions posted to your account during the first six months following the opening of your account. After the introductory APR expires,
the APR for any remaining promotional balances will increase to the standard APR for purchases and cash advances, and all subsequent purchases and cash advances will receive the standard APR for purchases and
cash advances. The REAL FREEDOM Secured Visa is not eligible to receive this offer.
5 Your APR will be 18.45% and may increase or decrease. The ANNUAL PERCENTAGE RATE is subject to change monthly to reflect any change in the index and will be determined by the Prime Rate on the 15th of
each month as published in the Wall Street Journal “Money Rates” table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum
Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
6 Your APR will be 9.45% to 20.45% based on your creditworthiness and may increase or decrease. The ANNUAL PERCENTAGE RATE is subject to change monthly to reflect any change in the index and will be
determined by the Prime Rate on the 15th of each month as published in the Wall Street Journal “Money Rates” table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of
additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
7 Your APR will be 11.45% to 22.45% based on your creditworthiness and may increase or decrease. The ANNUAL PERCENTAGE RATE is subject to change monthly to reflect any change in the index and will be
determined by the Prime Rate on the 15th of each month as published in the Wall Street Journal “Money Rates” table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will take the form of
additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
Visa® and Visa Signature® are registered trademarks of
Visa International Service Association and used under license.
REAL FREEDOM
(844) 340-9318