VISA Credit Cards
To access your online visa account, please login though our online banking portal.
We provide choices for our members. We have Nova Classic Visa Cards or Visa Secured Credit Cards for members trying to improve their credit score. Whichever one you need, Nova CU can provide.
Big Banks are always looking for more fee income so watch out for:
- Sudden Rate Increases
- Changes in your Due Dates
- "New" add-on Fees
If this makes you want to pull your hair out, we can help. Look at the table below for our VISA Credit Card interest rates and fees (or lack there-of). Nova CU has always been the clear choice for smart consumers.
Call us at any branch location or 800-865-0445 to get pre-approved — to apply for a loan you may call us anytime including nights, weekends or holidays or go apply for a VISA Credit Card online.
Carrying a balance on another credit card that has high interest? Contact an Account Manager today to transfer your current credit card balances to a Nova CU VISA Credit Card! We could help you save money right away!!
Nova CU VISA Credit Cards and Fees | VISA Classic | VISA Classic (2) | VISA Classic (3) | VISA Classic (4) |
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| Annual Percentage Rate (APR) | 9.90% APR | 10.90% APR | 14.90% APR | 17.90% APR |
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| Penalty APR | None |
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| Grace Period for Purchases | 25 Days |
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| Method of Computing Balance for Purchases | Average Daily Balance |
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| Annual Fees | None |
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| Minimum Finance Charge | None |
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| Late Payment Fee | $25.00 |
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| Balance Transfer Fee | None |
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| Over the Limit Fee | None |
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The information about the costs of the cards described above is accurate as of September 2024. This information may have changed after that date. To verify any information or get your questions answered please contact the credit union.
Card Services
If you need to contact Card Services, please email cardservices@novacu.com or dial your local branch number or 800.865.0445 ext. 400.
Nova Rewards Program
Purchases you make with your Nova VISA credit card earn you valuable Nova CU Rewards points you can redeem for brand-name merchandise and exciting travel rewards.
Secure Online Transactions (SOT) One Time Passcode (OTP) Terms and Conditions for Online Transactions Using Your Debit and Credit Card
Please read these terms and conditions in their entirety to ensure that you fully understand prior to using this service. By using this service, you agree to the terms and conditions listed below.
- When making an online transaction that requires OTP, an OTP will be sent to the phone number or email registered in system. You must then enter this OTP to complete your transaction on your device's screen when transacting online. Registration for OTP service is not required. If you are not able to enter the OTP, or authentication via this service fails, the merchant online will reject your card for this transaction. You agree that is not responsible for the rejection by such merchant to accept your card payments on this basis.
- By using this OTP (One Time Passcode) service:
- You agree to provide your data required for the transaction authorization process in the use of this OTP service.
- You agree to keep the confidentiality of your card number and personal information that you have entered for this service. If you give someone else your passcode, you will be responsible for all claims, losses and other consequences related to all transactions taking place using this service.
- You understand that the OTP service can be used only for transactions at the online merchants that are enrolled in EMV 3DS.
- You agree that the credit union is not liable for losses arising from your failure to comply with these terms and conditions.
- You understand that messages and data rates may apply for using this service.