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 Ohio Catholic FCU Mastercard®! Learn more about our 5.99% APR for 12 Months Balance Transfer Special! Now through October 31, 2024. 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 Ohio Catholic FCU’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 ManagementOhio Catholic Online BankingOhio Catholic Online BankingOhio Catholic 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, Ohio Catholic FCU lending policies, and membership eligibility. Ohio Catholic FCU may discontinue or modify offers without notice. Ohio Catholic FCU 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 Ohio Catholic FCU checking account to help avoid costly overdraft fees. Call or visit us to authorize overdraft protection. You’re in control. Download the Card Controls app to securely control when, where and how your Ohio Catholic FCU 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. Ohio Catholic FCU 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 Ohio Catholic Discover how you can unlock your money’s potential and achieve your financial goals with the help of the Ohio Catholic Federal Credit Union! SEE ALL THE POSTS Newsletter Q4 2024Read the newsletter below or download it here. Read the latest news from Ohio Catholic! Ohio Catholic FCU […]Do I need a Will or a Living Trust?We all strive to be financially responsible, from paying bills on time to investing for retirement and being […]Consider a credit card from Ohio Catholic for your holiday shoppingOhio Catholic offers a credit card with Great Rates and Great Rewards! The Mastercard Rewards Card offers NO […] SEE ALL THE POSTS Every experience I’ve had dealing with OCFCU has been excellent. Everyone is always very helpful and courteous. Allison S.,OCFCU Member Consistently competitive rates and outstanding customer service. Michael S.,OCFCU Member Banking is easy and pleasant. The tellers are very accommodating and well-educated. Bernadette L.,OCFCU Member Math is Hard (Sometimes) Let us help you crunch the numbers with our financial calculators. LEARN MORE