Routing# 321172510 Appointments Locations Contact Rates Ask MENU GO TO MENU LOGIN GO TO LOGIN GO TO LOGIN go back to top go back to top HOME > BORROW BORROW Visa Vehicles Personal Equity Mortgage MYREWARDS PLATINUM VISA® NEW for the 2021 holiday season: All new MyRewards Platinum Visa applications could qualify for a promotional annual percentage rate as low as 0.9% PLUS bonus rewards for the rest of the year! New cardholders get: 5,000* $0 9.90% 0.9% Bonus Points Annual Fee APR** All MyRewards cardholders get: Triple Points Thanksgiving Weekend Double Points During November and December* Turn your purchases into Cash Gift cards Hotel Stays And so much more! *Member must make at least 1 purchase with the card and must register the card to receive the 5,000 bonus points **APR = Annual Percentage Rate. Offer available for new Visa credit cards booked November 1, 2021- January 31, 2022 Granting of promotional rate of 0.9% APR dependent upon member qualifications. If approved purchases, balance transfers, and cash advances posted through February 28, 2022 will be made at the promotional rate of 0.9% APR. After February 28, 2022, any transactions posted will be made at the cardholder's approved standard rate. Approved standard rate is based on many factors, we will give you the best rate possible. If at any time the account becomes delinquent, all balances will revert to the cardholder's standard rate (ranging from (9.9% - 18% APR). Transactions posted at the special promotional rate will accrue interest at the promotional rate until May 23, 2022, at which time any unpaid balances will revert to the cardholder's standard rate. Payments will be applied to balances associated with the higher interest rate first and then to balances on the lower interest rate. Double points earned on every purchase made 11/1-12/31/2021. Triple points are earned 11/25-11/29/2021. Plus, keep your credit card secure with Card Control! Manage your card activity and even stop all purchases with just the flip of a switch. Activate within Online Banking under “Online Services” or Mobile Banking under “More”, set up your preferences and alerts, and enjoy total control over your purchases! MyRewards Visa cardholders can also enjoy free access to ID Navigator, powered by NortonLifeLock. This provides tools to keep members informed of potential identity threats, giving you peace of mind while making purchases! Dare to Compare rates-visa table Annual Fee Annual Percentage Rate - Purchases (as low as) Variable Rate Fee Annual Percentage Rate - Cash Advance Noble Credit Union MyRewards Platinum Visa Card $0 9.90% No $0 9.90% Bank of America Premium Rewards Card $95 15.99% Yes 3% (min $10) 18.99% Citi Premier Card $95 (after the first 12 months) 15.99% Yes 5% or $10 (whichever is greater) 24.99% Chase Sapphire Preferred $95 (after the first 12 months) 15.99% Yes 5% or $10 (whichever is greater) 24.99% FREQUENTLY ASKED QUESTIONS ABOUT THE UCHOOSE REWARDS PROGRAM: Q. What is UChoose Rewards? Q. How do I earn points? Q. How do I redeem my points? Q. Where can I earn points? Q. When can I redeem my points? Q. Can I share points with family members? Q. What can I redeem points for? Q. Where can I view my point activity and balance? Q. What if I used my Visa credit card and my points are not showing up in my UChoose Rewards account? Q. How much does it cost to participate in the UChoose Rewards program? Visa® UChoose Rewards Members can get 5,000 bonus points on their card right away! All they need to do is: Use the card. The first purchase will earn 3,500 bonus points, in addition to the points earned on the purchase! Register the card. Go inside online or mobile banking to register the card and get 1,500 bonus points! Once you are registered, you can check your points balance, browse the rewards catalog and redeem points. To learn more, click on the Visa uChoose Q&A or call 855-363-6928. SHARE SECURED VISA PLATINUM Don’t qualify for Visa MyRewards? The Share Secured Visa is a card secured by the funds in your savings account. It’s great for those who are looking to build their credit! 13.99% APR No Credit Report Required Up to $25,000 Limit All you need is a savings account with funds! Lost or Stolen Cards During business hours please call our Contact Center at (559) 252-5000. Our phones are answered Monday through Friday 7:30am to 6:00pm and on Saturday 9:00am to 3:00pm. After business hours please call 800-417-8715. Even if you report your card lost or stolen please view your account history carefully and often. If you notice any problems please contact us again as soon as possible. Frequently Asked Questions about Credit Cards How do I report suspicious activity on my account? What do I do if I lose my ATM/Debit/Credit Card? What types of credit cards does Noble Credit Union offer? How do I transfer the balance form a high rate credit card? VEHICLES Whether you're hitting the road or hitting the waves, we can help you finance a vehicle the flexible, budget-friendly way! With terms up to 84 months, and great rates, we'll assist you in financing a new or used car or help you refinance your current vehicle from another lender. You can even shop for your perfect vehicle online through our preferred dealers. With terms up to 120 months, we can finance other vehicle types: Motorcycles - up to $75,000 Boats - up to $75,000 Used RVs - up to $100,000 New RVs - up to $100,000 Check out these loan benefits that you can save money on as a Noble Credit Union Member! Frequently Asked Questions about Auto Loans What are the current auto loan rates? How do I apply to refinance my auto loan? If I have bad credit can I qualify for an auto loan? How long will it take to receive a vehicle title when a member pays their auto loan off? PERSONAL LOANS With a personal loan, you can take the family vacation, get the funds you need for college or catch up on life's expenses. At Noble, we understand your unique needs and offer personal loans to fit every lifestyle. Personal Loan Enjoy fixed terms up to 84 months, take advantage of our everyday low rates and borrow up to $25,000. Overdraft Line of Credit This low rate line of credit provides overdraft protection for a Credit Union Checking Account. It's a ready source of funds that is tied to your checking account to cover transactions made when the funds in your checking account have been depleted. When you access the account, you only pay interest on the amount you draw from the loan. Best of all, there are no transaction fees to access the line of credit. With the Overdraft Line of Credit, you get peace of mind that your transactions will be covered (up to your available limit). Share Secured Loans With a Shared Secured Loan, Noble CU will lend up to 100% of available (unpledged) shares in a savings account, up to the maximum secured loan amount. EQUITY You've worked hard building your home's equity, now let it work hard for you! We offer two great home equity loan options with larger loan limits, longer loan terms, and more generous amounts of equity you can borrow (loan to value) than you'll find at other institutions. Noble is here to help you use the equity in your house wisely. Plus, you won't pay any annual maintenance fees. Traditional Home Equity Loan Borrow up to 100% of your home's equity with a Traditional Home Equity Loan. You decide what to use it on - tuition, renovations, debt consolidation, you name it. You'll receive the funds up front and enjoy a competitively low, fixed rate with fixed monthly payments. Home Equity Line of Credit A variable-rate Home Equity Line of Credit (HELOC) gives you the flexibility of using only the amount of funds you need, when you need them. You can use the money to spruce up your home, take a vacation or anything else! A HELOC can also act as an emergency fund - giving you the reassurance that money will be there if you need it. Interest for both equity loans may be tax deductible. Consult your tax advisor about deductibility.* 2021 SPECIAL! Take out an equity loan of your choice and you'll pay no fees! That's no application fee, no appraisal fee, no flood, title or credit report fee. Zip, Zero, Zilch! Apply today as this offer expires December 31, 2021. Waiving of fees does not include upgraded appraisal valuations as requested by the member, any associated fees to correct and/or clear title, including but not limited to escrow, sub-escrow and recording fees. If you have questions or would like more information, you can contact our equity specialists at 559-252-5000 option 2. *Consult your tax advisor about deductibility. Frequently Asked Questions about Home Equity Loans What is the difference between a Home Equity Line of Credit and a Home Equity (second mortgage) loan? How do I determine how much equity I have in my home? How do I apply for or refinance a home equity line of credit or fixed portion option? Is my home equity payment tax deductible? Or can I deduct the interest I pay on my Home Equity Line of Credit from my taxes? MORTGAGE No matter what stage you're at in life - buying your first home, upgrading or downsizing - we offer an array of first mortgage loans that fit your needs and your budget. Choose from: Refinance Conventional 10, 15 or 30-year fixed Adjustable rate FHA VA To learn more about how home loans work, and calculate your mortgage costs, click here. To speak to a Mortgage Loan Specialist call 559-252-5000 ext 5517 Where you're worth more APPOINTMENTS NEWS & EVENTS ABOUT US RATES CALCULATORS NOBLE CREDIT UNION • Routing# 321172510 • (559) 252-5000 • NMLS# 643946 • 800-613-2328 (toll free) Home | Sitemap | Accessibility | Privacy | Security | Disclosures | Avoiding Foreclosure | Careers | Contact Us