Credit Cards

Our Credit Card Program is designed to meet members wherever they are on their financial journey, whether you're building credit or looking for a more affordable borrowing option. Enjoy competitive rates starting as low as 9.50% APR, credit limits up to $7,000, and eligibility for members with a minimum credit score of 630.

Community Card (Fully Share-Secured Card)

  • If you satisfactorily repaid a Credit Builder loan, keep building your credit!

  • You can have this card even if your credit score is low. With rates starting at 9.5%

  • Annual fee: $25

  • No credit history required

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NT Semi-Secured (NT1)

  • Do you have a fair credit score? You can still have an affordable credit card

  • You only need to pledge 25% of the approved line of credit amount

  • Annual fee: $30

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NT Traditional

  • If you have an established credit score and are in need of an affordable credit card, this is for YOU!

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NT Gold

  • Very convenient for members with excellent credit scores

  • We offer rates starting at 10.5%

Apply Now