CREDIT CARDS

SPEND SECURELY WITHOUT NEEDLESS FEES.

Contactless payments. Mobile wallet connections with Apple Pay® or Google Pay®. Low interest rates and big rewards. No annual fee, balance transfer fee, or cash advance fee. Get all that and much more from your OC Federal Credit Union Mastercard®!

³New Rewards Credit Card holders can earn 15,000 Reward Points ($150 equivalent) when they spend $1,000 in purchases in the first 60 days.

REWARDS MASTERCARD®

APR as low as

10.99%¹

CASH BACK MASTERCARD®

APR as low as

11.99%¹

SECURED MASTERCARD®
WITH REWARDS

APR

17.99%²

SEE ALL RATES

FIND THE RIGHT CARD FOR YOU

REWARDS

OC Federal Credit Union’s Rewards Mastercard® offers the benefits of a low interest rate and gives you the rewards you love like gift cards or merchandise from major retailers like Amazon and Apple®, plus much more! It’s simple to rack up the rewards points as you spend, then redeem your points conveniently online.

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CASH BACK

You like keeping things simple. You just want to earn cash back when you swipe your card. So discover more cash back with the Cash Back Mastercard®. Rack up the points as you spend and then simply redeem those points online for cash back.

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SECURED WITH REWARDS

If your credit needs a boost check out our Secured Mastercard® with Rewards. Your credit limit is based on funds you hold on deposit with us to use as collateral. We put a hold on those funds as long as the card is open. In return, you use this card like you would any other credit card while earning rewards points to redeem. Then build up your credit as you use your card and pay off the balance monthly.

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BALANCE TRANSFERS

Less interest may be in your best interests. Need to transfer a credit card balance? It’s easy to consolidate your balances with us. Simply apply for a credit card before requesting a balance transfer. Apply for a credit card online, call our LOAN ZONE at (216) 478-0067, or contact your local branch.

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COMPARE CARDS

	Rewards Mastercard®	Secured Mastercard® with Rewards	Cash Back Mastercard®
Standard APR¹	10.99% – 17.99%	17.99%	11.99% – 17.99%
Balance Transfer APR¹	10.99% – 17.99%	17.99%	11.99% – 17.99%
Cash Advance APR¹	10.99% – 17.99%	17.99%	11.99% – 17.99%
Default APR¹	10.99% – 17.99%	N/A	11.99% – 17.99%
Credit Limits	$250 – $15,000	Up to Pledged Savings Account Amount with a max of $15,000**	$250 – $15,000
Grace Period on Purchases	25 days	25 days	25 days
Method of Computation	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)	Average Daily Balance (including new purchases)
Minimum Payment	If balance is under $28 – balance amount. If balance is over $28 – the greater of $28 or 2% of the balance.	If balance is under $28 – balance amount. If balance is over $28 – the greater of $28 or 2% of the balance.	If balance is under $28 – balance amount. If balance is over $28 – the greater of $28 or 2% of the balance.
Annual Fee	None	None	None
Minimum Finance Charge	None	None	None
Transaction Fee – Balance Transfer	None	None	None
Transaction Fee – Cash Advance	None	None	None
Over-the-Credit-Limit Fee	N/A	N/A	N/A
Returned Payment Fee	$28 or Minimum Payment Amount If Lower Than $28	$28 or Minimum Payment Amount If Lower Than $28	$28 or Minimum Payment Amount If Lower Than $28
Online Account Management	OC Federal Online Banking	OC Federal Online Banking	OC Federal Online Banking
Rewards! Points	Earn 1 point for every $2 in purchases to be redeemed for gift cards, merchandise, travel, and more.	Earn 1 point for every $2 in purchases to be redeemed for gift cards, merchandise, travel, and more.	Earn 1 point per dollar spent on all purchases.

APR = Annual Percentage Rate. All offers subject to creditworthiness, OC Federal Credit Union lending policies, and membership eligibility. OC Federal Credit Union may discontinue or modify offers without notice. OC Federal Credit Union is federally insured by the NCUA up to $250,000 and is an Equal Housing Lender. NMLS #413040

¹Annual Percentage Rates (APR) range from 10.99% to 17.99%; and subject to change without notice. APR is variable and based on your creditworthiness. Standard balance transfers will not have a fee. Promotional fees may vary. Other fees may apply. See fee schedule for additional details.

²Annual Percentage Rates (APR) range from 8.99% to 17.99%; and subject to change without notice. APR is variable and based on your creditworthiness. Standard balance transfers will not have a fee. Promotional fees may vary. Other fees may apply. See fee schedule for additional details. Pledged Savings Accounts will continue to earn dividends.

³Subject to creditworthiness, OC Federal lending policies, and membership eligibility. If approved, rate and credit line are subject to OC Federal’s underwriting guidelines. The Annual Percentage Rate (APR) can vary between 10.99% and 17.99%. Qualified Mastercard® Rewards cardholders receive 15,000 Rewards Points after spending $1000.00 on net purchases in the first 2 months (60 days) from card opening. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as cash advances and balance transfers. Other terms and conditions may apply to receive the promotional points. To be eligible for this offer, the account must be open and not in default at the time of fulfillment. Promotion not available to current or previous OC Federal credit cardholder. Promotion subject to change or be canceled at any time and without notice.

OC Federal Credit Union OCFCU Borrow Credit Cards Contactless Protection App

YOUR CARD IS AT
YOUR SERVICE.

Tap. Pay. Go.

Contactless payment comes standard on all issued cards. Plus connect your cards to mobile wallet options like Apple Pay® and Google Pay®.

Overdraft protection

You can link your credit card to your OC Federal Credit Union checking account to help avoid costly overdraft fees. Call or visit us to authorize overdraft protection.

You’re in control.

Coming soon! Download the Card Controls app to securely control when, where and how your OC Federal Credit Union debit and credit cards are used from your smartphone.

IMPORTANT CREDIT CARD AND
DEBIT CARD INFORMATION

HOW DO I ACTIVATE MY CARD AND SELECT A PIN?

To activate your debit card and to pick a pin, please contact us at (888) 762-0558 if you are currently within the United States or (501) 588-7531 if you are outside the United States.

HOW DO I REPORT A LOST OR STOLEN CARD?

To report a stolen or lost card, please contact us at (888) 241-2510 if you are currently within the United States or (909) 941-1398 if you are outside the United States.

HOW DO I DISPUTE A TRANSACTION OR REPORT A SUSPECTED FRAUD?

To dispute a transaction made with your debit card or for suspected fraud, please call (888) 514-1348. Debit card disputes can only be made by calling this number. OC Federal Credit Union branch locations cannot accept debit card disputes.