credit cards

Low Rates & Rewards

Our Card Services Department is available Monday-Friday from 8am-5pm. Should you have a fraud issue after hours: for debit cards, call 1-800-472-3272 and for credit cards, call 1-800-991-4961.

Credit Card Services

VISA Rewards Credit Card

NorState Federal Credit Union's VISA credit card offers a great low rate with localPaying online with credit card assistance. You'll receive a low-rate credit card with no annual fee and no hassles. You can also earn rewards points for every dollar spent. Points are redeemable towards merchandise or travel.  More information can be found HERE.

NorState Federal Credit Union Advantages

  • Low rates
  • Earn points for every dollar spent
  • Redeemable for merchandise & travel
  • Risk based pricing – rate varies depending on your credit history and score
  • 2% payment of your outstanding balance
  • No annual fee
  • Optional Life and Disability Insurance available at a reasonable cost
  • Credit limit up to $10,000
  • Cash advances receive the same low annual percentage rate (compounded daily)
  • 25 day grace period on new purchases
  • Worldwide acceptance
  • Local assistance

Apply now

Contact us and we'll be glad to answer any questions you may have about the application process.


View your transactions through Mobile & Online Banking!

Viewing your credit card transactions has never been so easy and secure! Simply login to your mobile or online banking, find where your credit card is listed and click "view transactions". There is no longer the need to login to a different site! 


NorState FCU VISA ScoreCard Reward Card

Visit the ScoreCard reward card website for more information today!

If you have any questions regarding your Score Card Rewards, please call (800)-854-0790. For Travel Services, please call (800) 483-5005




In case of a lost or stolen credit card outside business hours, please call (800) 991-4961.


VISA Gift Card*

NorState VISA Gift Cards are a perfect gift for any occasion. Whatever the occasion, time of year or recipient, Gift Cards are the best way to show you care - about them and about giving them what they really want. The gift of possibilities is just a swipe away!

VISA Reloadable Debit Card*

Have you heard? NorState now has a prepaid card that works like a checkless checking account. You can direct deposit paychecks, shop and pay bills online, get cash at ATMs, track spending online, and use it virtually anywhere. It works anywhere debit cards are accepted and prepaid means you never have to worry about overspending or late fees.

  • Direct Deposit paychecks
  • Get cash at ATMs
  • More control - spend only what you load
  • Use anywhere debit cards are accepted
  • Shop online or over the phone
  • No credit check - just load and go
  • Manage money on the go with text alerts
  • Card and funds easily replaced if lost or stolen
  • Purchase fee applicable

VISA Travel Debit Card*

Ever lost your wallet on a trip? Worried about traveling with a lot of cash or a card tied to your bank account? Frustrated exchanging currency or redeeming traveler's checks in foreign countries? The NorState VISA Travel Card alleviates all these worries and lets you focus on more important things, like enjoying your vacation!

  • Use it anywhere debit cards are accepted
  • Accepted internationally
  • Manage money on the go with text alerts
  • Get cash at ATMs
  • Direct Deposit - safe for your next trip
  • Shop online or over the phone
  • No credit check - just load and go
  • Purchase fee applicable
  • Card and funds easily replaced if lost or stolen


*Gift, Reloadable and Travel VISA cards are issued by MetaBank, Member FDIC. Subject to identification verification. Other fees maybe applicable due to inactivity. Speak to a Member Service Advisor today for more information about VISA cards.