MyRewards Platinum Visa®
The Fed may be increasing the rates, but here at Noble we're staying low with a low-rate Visa credit card that won't creep up on you like other variable-rate credit cards do! Look no further than Noble's MyRewards Platinum Visa. New cardholders can enjoy a rate as low as 10.90% APR* on all transactions - purchases, cash advances, even balance transfers!
New cardholder BONUS: 5,000 bonus points when you make your first purchase (no minimum purchase amount required) and register your card in the uChoose Rewards platform.
As if that weren't enough, cardholders also enjoy:
- $0 annual fee
- Low rate that is not tied to prime; when the Federal Reserve raises rates, the MyRewards Visa card rate does not increase.
- No cash advance fee
- No balance transfer fee
- Free access to ID Navigator. This provides tools to keep cardholders informed of potential identity threats, giving you peace of mind while making purchases!
With so many great benefits, there's no better Visa in town!
Dare to Compare
| Annual Fee | Annual Percentage Rate - Purchases (br) (as low as) | Variable Rate | Fee | Annual Percentage Rate (br) - Cash Advance | |
|---|---|---|---|---|---|
| (bold)Noble Credit Union MyRewards Platinum Visa Card(/bold) | (bold)$0(/bold) | (bold)10.90%(/bold) | (bold)No(/bold) | (bold)$0(/bold) | (bold)10.90%(/bold) |
| Bank of America Premium Rewards Card | $95 | 19.99% | Yes | 3% (min $10) | 22.99% |
| Citi Premier Card | $95 (after the first 12 months) | 20.99% | Yes | 5% or $10 (whichever is greater) | 29.99% |
| Chase Sapphire Preferred | $95 (after the first 12 months) | 21.24% | Yes | 5% or $10 (whichever is greater) | 29.99% |
Rates are accurate as of 7/1/23.
Share Secured Visa Platinum
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! To apply please call 559-252-5000 option 2.
14.99% APR
No Credit Report Required
Up to $25,000 Limit
All you need is a savings account with funds!
Card Control
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 cards!
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.
*APR = Annual Percentage Rate. Actual rate based on approved credit. We will give you the best rate possible.
Frequently asked questions about the UChoose Rewards program:
Q. What is UChoose Rewards?
A. uChoose Rewards is a rewards program that allows you to earn points for shopping and using your Noble Credit Union MyRewards Platinum Visa credit card or your Noble Credit Union Loyalty Rewards Platinum Visa credit card. You can redeem your points for anything found on the uChoose Rewards online catalog.
Q. How do I earn points?
A. You earn one point for every dollar you spend using your Visa credit card. Plus, you can earn even more points throughout the year during our bonus point opportunities.
Q. How do I redeem my points?
A. You can redeem your points online by logging into online or mobile banking. If this is your first time using uChoose online, you must register by completing the two-step registration process.
Q. Where can I earn points?
A. You earn points everywhere your Visa card is accepted.
Q. When can I redeem my points?
A. It can take up to 40 days for your points to be credited to your account. You must accumulate 1,500 points before you can redeem for a reward. After that, you can redeem your points for a variety of items. Simply look for Total Points at the top of any page to see your available points.
Q. Can I share points with family members?
A. Yes, all cards within an account automatically earn points together. In addition, if you have multiple credit accounts or are joint on other credit accounts with the rewards option, you can link them together to earn rewards faster. Visit the Profile page to link more accounts to your program.
Q. What can I redeem points for?
A. It’s your choice! From products and travel experiences, to activities, event tickets and more, simply visit the Redeem Points page and browse the categories that interest you most.
There’s a Wish List feature which helps you track your points and notifies you when you’ve earned enough for a specific item.
Q. Where can I view my point activity and balance?
A. You can access the history of your point activity on the Point Details page.
Q. What if I used my Visa credit card and my points are not showing up in my UChoose Rewards account?
A. It can take up to 30 days for transactions to appear on the Point Details page. If points from a qualified transaction do not appear after 30 days, contact us for assistance.
Q. How much does it cost to participate in the UChoose Rewards program?
A. There's no cost. Membership in uChoose Rewards is absolutely free for MyRewards Platinum Visa and Loyalty Rewards Platinum Visa cardholders, so start shopping and earning today.
Q. What if I have another question?
A. If you have other questions not answered here, please log into uChoose by clicking here. Call the Credit Union at (559) 252-5000, or call uChoose directly at 855-363-6928.
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.
Save the planet, save money! Noble is offering a 0.50% discount on vehicles defined as a hybrid in Kelly Blue Book, or on the MSRP sticker.
With terms up to 180 months*, we can finance other vehicle types:
- Motorcycles - up to $75,000
- Boats - up to $100,000
- RVs - up to $150,000
*180 month term for RV and Boat only
Check out these loan benefits that you can save money on as a Noble Credit Union Member!
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.*
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.
Mortgage
No matter what stage you're at in life - buying your first home, upgrading, downsizing, investing, and more - we offer an array of first mortgage loans that fit your needs and your budget. Noble now offers Adjustable Rate Mortgage loans, also referred to as ARMs. These loans have a lower “initial rate period” and monthly payment for the first 5 or 7 years, depending on the term you choose. After the initial fixed period the rate and payment may change every six months based on the interest rates at the time. ARMs are a good option for buyers who want to keep their monthly payments low in a higher-rate lending environment. Learn more by clicking the “Home Loans” button below.
To view our most current rates for mortgage loans, click below.
To speak to a Mortgage Loan Specialist call 559-252-5000 ext 5517.