Credit Cards
Low interest, no annual fees and much more.
To better serve you, our online link has a new look!
Worthy Of Your Wallet
DNCU credit cards are designed with our members’ best interests in mind — as low as 13.24% annual percentage rate, no annual fees and our own CU Rewards that you reap the benefits of membership.‡
Unparalleled terms, convenience and rewards
DNCU’s credit cards are popular with New Mexico consumers for good reasons — it costs you little to get so much more.
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Avoid fees
No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees.
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Transparency
What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks.
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Accessible
Convenient and secure worldwide ATM access with your VISA® card.
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Purchase Alerts
Know where your money is going – get an email whenever your card is used.
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Rewards
Earn CU Rewards points for travel and gift awards with the DNCU Reward eVOLVE card.*
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Low interest
Our DNCU Reward eMERGE card includes an annual percentage rate as low as 13.24% with no minimum finance charge.‡
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Cash Back
Earn 1.5% cash back with the DNCU Reward eLEVATE card.
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Easy To Apply
Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU
Pick Your Own Rewards
We have a card for any priority you set.
eMerge
?I am building credit and I may carry a balance on my credit card so I am looking for a lower rate.
Best if you want...Convenient & secure worldwide ATM Access
No purchase cash-advance, balance transfer, or over-the-limit fees
Purchase Alerts
Great for Balance Transfer & Debt Consolidation
Easy to use Online & Mobile Banking
Works with Google Pay, Apple Pay & Samsung Pay
eVOLVE
?I have an established credit history which is fair to excellent. I use my credit card for purchases and I’d like to earn points to redeem for merchandise or travel.
Best if you want...Convenient & secure worldwide ATM Access
No purchase cash-advance, balance transfer, or over-the-limit fees
Purchase Alerts
Great for Balance Transfer & Debt Consolidation
Easy to use Online & Mobile Banking
Works with Google Pay, Apple Pay & Samsung Pay
Rates as low as 15.24% variable APR2
eLEVATE
?I have good to great credit history and I use my credit card for daily purchases. I usually pay my balance off each month and I’d like to earn cash back.
Best if you want...Convenient & secure worldwide ATM Access
No purchase cash-advance, balance transfer, or over-the-limit fees
Purchase Alerts
Great for Balance Transfer & Debt Consolidation
Easy to use Online & Mobile Banking
Works with Google Pay, Apple Pay & Samsung Pay
CU Rewards
The DNCU Reward eVOLVE card gives back with every purchase.
CU Rewards
Every time you use your DNCU Reward eVOLVE card, you earn points that can go towards CU Rewards. Each purchase automatically qualifies for points with no special extra steps required. This exciting rewards program offers plenty of choices for redeeming your rewards points.*
CU Rewards Mall
CU Rewards Mall is a bonus for the regular rewards program. Whenever you shop at stores that are participating in the program, you earn Mall points on top of the normal rewards points. Mall points can go towards special offers or even discounts at participating retailers.*
Current rates
DNCU is committed to helping our members understand all terms and conditions associated with our credit cards.
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Type of Rate or Fee |
Rate or Fee |
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DISCLOSURES ***APR = Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at any time without notice. Please contact a lender for detail on current rates and terms. Rates are current as of October 1, 2023. Monthly payment will typically be 3% of average monthly balance or $15, whichever is greater. Rates are variable and will adjust based on Prime. |
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Type of Rate or Fee Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash*** |
Rate or Fee as low as 13.24% |
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Type of Rate or Fee Cash Advances |
Rate or Fee No Fee |
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Type of Rate or Fee Foreign Transaction Fee |
Rate or Fee 1% of each transaction in U.S. dollars |
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Type of Rate or Fee Late Payment Fee |
Rate or Fee $25.00 |
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Type of Rate or Fee Returned Payment |
Rate or Fee $25.00 |
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Type of Rate or Fee Annual Fee |
Rate or Fee No Fee |
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Type of Rate or Fee Processing Fee |
Rate or Fee No Fee |
|
Type of Rate or Fee |
Rate or Fee |
|---|---|
|
DISCLOSURES ***APR = Annual Percentage Rate. This is not an offer for credit. Your rate may be different based on credit approval, collateral, or terms requested. Rates advertised may change at anytime without notice. Please contact a lender for detail on current rates and terms. Rates are current as of October 1, 2023. Monthly payment will be 3% of average monthly balance or $15, whichever is greater. |
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Type of Rate or Fee Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash*** |
Rate or Fee 9.90% |
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Type of Rate or Fee Cash Advances |
Rate or Fee No Fee |
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Type of Rate or Fee Foreign Transaction Fee |
Rate or Fee 1% of each transaction in U.S. dollars |
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Type of Rate or Fee Late Payment Fee |
Rate or Fee $25.00 |
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Type of Rate or Fee Returned Payment |
Rate or Fee $25.00 |
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Type of Rate or Fee Annual Fee |
Rate or Fee No Fee |
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Type of Rate or Fee Processing Fee |
Rate or Fee No Fee |
Balance Transfers
Transfer your credit card balance to a DNCU Reward Visa Card and start saving today!
How much will my credit card payoff payment be?
Disclosures
APR = Annual Percentage Rate. Minimum monthly payment for our credit cards is 3% of the balance.
The calculator is hypothetical based on a 13-month term and may not reflect your actual required monthly payment. The calculator is for informational purposes only and not an offer for credit.
Get your new favorite credit card today
Reward yourself with the low-interest and no-tricks, no-traps and no-gimmicks credit card from DNCU
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Gift yourself the personalized loan you deserve
DNCU Personal Loans empower members to meet a variety of financial needs. Discover how easy it is to add your next financial tool with DNCU.
Build upon your foundation
A Home Equity Loan or Line Of Credit allows you to tap into your previous success as a homeowner to achieve your next financial goal.
Enjoy all that DNCU offers. Become a member today.
505-455-5228 or
(877) 818-3628 toll-free.
Disclosures
‡To view applicable terms and disclosures for rate advertised, visit Rates & Fees.
1DNCU Rewards Subject to change
2Variable Annual Percentage Rate
*Member must sign up to use rewards. Contact a service representative for details or for help signing up.
How to avoid paying interest on purchases: Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date of each month.
How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore