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Not all credit cards are created equal. Some are packed with flashy perks that mask high interest rates and hidden fees. Others offer starting rates that vanish after a few months, leaving you stuck with growing balances and a shrinking budget. But if you’re looking for a smarter, simpler way to borrow with long-term savings in mind, 1st Nor Cal Credit Union offers a credit card to help keep your mind at ease and your finances secure.
This credit card features a low, fixed interest rate of just 8.90% APR1. And unlike many other cards, this one doesn’t charge an annual fee. You won’t pay anything to keep it in your wallet, whether you use it regularly or just when you need it most. It’s a straightforward, honest approach to credit, with no hidden fees or surprise rate changes.
Lisa Homes of 1st Nor Cal’s loan department states, “While many credit cards come with high, variable rates, we keep ours low and non-variable at 8.90% APR1. It’s part of our commitment to providing our members with a more stable, manageable way to utilize credit without surprises or additional costs.”
Along with lower interest rates, this credit card also comes with generous credit limits (up to $20,000), giving you flexibility without the usual hassle. And with no cash advance fees at the branch, you’re free to access your money when you need it.
One of the most powerful features of this credit card is its fee-free balance transfer* benefit. If you’re carrying debt on higher-interest cards, you can use 1st Nor Cal’s @ccessOnline Home Banking to transfer your current credit card balances onto a 1st Nor Cal credit card. Upon approval, you can continue to pay off your balances but at a much lower interest rate. This means more of your money goes toward reducing your actual debt rather than additional fees and high interest rates. It’s a simple, straightforward, and effective way to take control of your finances.
Lisa continues, “At 1st Nor Cal, we’re proud to offer our members a fee-free balance transfer option because it directly supports their financial well-being. By giving them a tool to move high-interest credit card debt to a lower-rate 1st Nor Cal credit card without any transfer fees, we’re helping them pay down debt faster and more affordably. It’s just one of the many ways we put our members first and empower them to take control of their financial future.”
If you don’t have a credit card with 1st Nor Cal, applying is easy! You can get started by heading to https://www.1stnorcalcu.org/loans/credit-cards/ and submit your application today. If you have any questions throughout the application or balance transfer process, 1st Nor Cal is here to help every step of the way!
In a financial world full of flashy rewards that mask annual fees, a 1st Nor Cal Credit Union credit card offers clarity, control, and savings that add up. If you’re ready to stop overpaying and start saving, consider switching to a credit card that puts you first. Whether you’re consolidating debt, improving your credit score, or just looking for a card that won’t take more than it gives, this credit card is built to support your goals. Now’s the perfect time to transfer balances, save a bundle, and smile with a 1st Nor Cal Credit Union credit card.
*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.