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Personal > Credit Cards

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Credit Cards

Low interest, no annual fees and much more.

CHOOSE YOUR CARDApply Now

Worthy Of Your Wallet

DNCU credit cards are designed with our members’ best interests in mind — as low as a 7.99% 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.

  • Avoid fees

    No penalty pricing and no purchase, cash-advance, balance transfer, over-the-limit or annual fees.

  • Transparency

    What you see is what you get — DNCU credit cards include no hidden fees, tricks or gimmicks.

  • Accessible

    Convenient and secure worldwide ATM access with your VISA® card.

  • Purchase Alerts

    Know where your money is going – get an email whenever your card is used.

  • Rewards

    Earn CU Rewards points for travel and gift awards with the DNCU Reward eVOLVE card.*

  • Low interest

    Our DNCU Reward eMERGE card includes an annual percentage rate as low as 7.99% with no minimum finance charge.‡

  • Cash Back

    Earn 1.5% cash back with the DNCU Reward eLEVATE card.

  • Easy To Apply

    Applying for a DNCU credit card is easy — visit a branch, apply online or call us at 877-818-DNCU

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.*

Sign up for CU Rewards

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.*

Visit the CU Rewards Mall

Pick Your Own Rewards

We have a card for any priority you set.

DNCU Evolve Credit Card

eVOLVE

For The Wanderlust

Earn Reward Points for travel and more!1

No Annual Fee

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

DNCU Emerge Credit Card

eMERGE

For The Goal-Oriented

Rates as low as 7.99% APR2

No Annual Fee

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

DNCU Elevate Credit Card

eLEVATE

For The Change-Maker

Earn 1.5% Cash Back on purchases1

Rates as low as 11.99%APR2

Earnings will be deposited quarterly

No Annual Fee

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

Current rates

DNCU is committed to helping our members understand all terms and conditions associated with our credit cards.

DNCU Reward Credit Cards

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 July 1, 2021.

Monthly payment will be 3% of average monthly balance or $15, whichever is greater. Rates are variable and will adjust based on Prime.

Type of Rate or Fee

Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash***

Rate or Fee

as low as 7.99%

Type of Rate or Fee

Cash Advances

Rate or Fee

No Fee

Type of Rate or Fee

Foreign Transaction Fee

Rate or Fee

1% of each transaction in U.S. dollars

Type of Rate or Fee

Late Payment Fee

Rate or Fee

$25.00

Type of Rate or Fee

Returned Payment

Rate or Fee

$25.00

Type of Rate or Fee

Annual Fee

Rate or Fee

No Fee

Type of Rate or Fee

Processing Fee

Rate or Fee

No Fee

Apply Now

DNCU Share Secured Credit Cards

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 July 1, 2021.

Monthly payment will be 3% of average monthly balance or $15, whichever is greater.

Type of Rate or Fee

Annual Percentage Rate (APR) for Purchases, Balance Transfers & Cash***

Rate or Fee

9.90%

Type of Rate or Fee

Cash Advances

Rate or Fee

No Fee

Type of Rate or Fee

Foreign Transaction Fee

Rate or Fee

1% of each transaction in U.S. dollars

Type of Rate or Fee

Late Payment Fee

Rate or Fee

$25.00

Type of Rate or Fee

Returned Payment

Rate or Fee

$25.00

Type of Rate or Fee

Annual Fee

Rate or Fee

No Fee

Type of Rate or Fee

Processing Fee

Rate or Fee

No Fee

Apply Now

Balance Transfers

Transfer your credit card balance to a DNCU Reward Visa Card and start saving today!

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

Apply Now

Enjoy all that DNCU offers. Become a member today.

Join DNCU today
Apply online
Stop by one of our branches
Find your closest branch
Call us

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

2Annual 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