Credit Cards LOAN | CREDIT CARDS CREDIT CARDSSPEND 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®! Learn more about our 5.99% APR for 12 Months Balance Transfer Special! REWARDS MASTERCARD® APR as low as 10.99%1 CASH BACK MASTERCARD® APR as low as 11.99%1 SECURED MASTERCARD®WITH REWARDS APR as low as 8.99%2 SEE ALL RATES FIND THE RIGHT CARD FOR YOUREWARDS 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. GET STARTED NOWCASH 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. GET STARTED NOWSECURED 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. GET STARTED NOWBALANCE 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. GET STARTED NOWCOMPARE CARDS Rewards Mastercard®Secured Mastercard® with RewardsCash Back Mastercard® Standard APR110.99% – 17.99%8.99% – 17.99%11.99% – 17.99% Balance Transfer APR110.99% – 17.99%8.99% – 17.99%11.99% – 17.99% Cash Advance APR110.99% – 17.99%8.99% – 17.99%11.99% – 17.99% Default APR110.99% – 17.99%N/A11.99% – 17.99% Credit Limits$250 – $15,000Up to Pledged Savings Account Amount with a max of $15,000**$250 – $15,000 Grace Period on Purchases25 days25 days25 days Method of ComputationAverage Daily Balance (including new purchases)Average Daily Balance (including new purchases)Average Daily Balance (including new purchases) Minimum PaymentIf 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 FeeNoneNoneNone Minimum Finance ChargeNoneNoneNone Transaction Fee – Balance TransferNoneNoneNone Transaction Fee – Cash AdvanceNoneNoneNone Over-the-Credit-Limit FeeN/AN/AN/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 ManagementOC Federal Online BankingOC Federal Online BankingOC Federal Online Banking Rewards! PointsEarn 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. 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 INFORMATIONHOW 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. Talk With Us Call (216) 478-0067 or chat live online during business hours. CALL US Get A Quote It only takes a minute to request a loan quote. We’ll contact you to discuss your options. GET A QUOTE Apply Online Submit your loan application online from your device. APPLY ONLINE Make the Most of Your Money With OC Federal Discover how you can unlock your money’s potential and achieve your financial goals with the help of the OC Federal Credit Union! SEE ALL THE POSTS Donate For Local Families and Be Entered to WinWe are collecting pasta and sauce for the St. Vincent de Paul Society to help local families. Bring […]December 9, 2024, Ohio Catholic to Rename as OC FederalOhio Catholic Federal Credit Union will officially become OC Federal Credit Union on December 9, 2024. This name […]Free Medicare Seminar November 12, 2024Join us at our Garfield Heights branch on November 12 at 10 AM or 1 PM for a […] SEE ALL THE POSTS Every experience I’ve had dealing with OC Federal has been excellent. Everyone is always very helpful and courteous. Allison S.,OC Federal Member Consistently competitive rates and outstanding customer service. Michael S.,OC Federal Member Banking is easy and pleasant. The tellers are very accommodating and well-educated. Bernadette L.,OC Federal Member Math is Hard (Sometimes) Let us help you crunch the numbers with our financial calculators. LEARN MORE