- Transfer from NHCU account by contacting our Call Center at 251-316-3240 during normal business hours.
- Use our Free 24/7 Bill Pay Service
- Visit and pay at the NHCU branch or use an NHCU Branch Night Drop Box (if available) after hours.
- For other loan payment options click here.
- Please contact our Call Center at 251-316-3240 for any issues concerning Credit Card payments.
Enrolled in our free 24/7 Online Banking service to maximize your Card access and your ability to utilize our NHCU Mobile App. This can be done from our website - top right corner - "Enroll for Online Banking." If you need any assistance, please call (251) 316-3240.Once enrolled in Online Banking and securely inside Online Banking, simply click on the Credit Card tab. Your initial visit to this Credit Card tab will require you to register your card information. Simply follow the steps, and your card will be registered. Then, you will have access to your card information, can make online payments, check history, check reward points, etc. To redeem your Real Time Reward points, click on the Rewards Points area. You will be redirected to Real Time Rewards to begin redeeming points for merchandise and travel. It's that easy!
The Credit Card information can be retrieved with any PC or Laptop. However, some mobile devices and cell phones may not be compatible to access the Credit Card information behind Online Banking. Please register your card behind Online Banking.
Credit Card Activation, PIN, & Lost/Stolen Card or
Fraudulent Credit Card Charges
During normal business hours - to report fraudulent card charges, or a lost or stolen credit card, please contact (251) 316-3240.
For 24/7 Cardholder service, please call 1-888-333-4954. This number can be used to activate a new card, set up a Personal Identification Number (PIN), report lost/stolen/fraud, and for general card information.
We have a system that monitors your account for possible fraudulent activity. We may contact you if fraud is suspected, but NHCU will never ask for personal information such as online credentials, your entire card number, or social security number via email, voice, or text messaging.
*Note: The cell number and email address on record will be the required for verification. Please make sure NHCU has your most current cell number and email address on file for your Card and Account. PINs are no longer mailed to help prevent fraud.
Loan Disputes and Inquiries, please write to:
New Horizons Credit Union - Disputes & Inquiries
P. O. Box 1785, Mobile, AL 36633
Or, for assistance, call:
Local 251-316-3240 or Toll-Free 1-800-824-3610
*If you ever feel you have been a victim of fraud or ID Theft, please contact your credit union or identitytheft.gov. New Horizons Credit Union participates in Verified By VISA.
GreenPath Financial Wellness - Debt Management Services
If you have any issues, please contact the Credit Union at 251-316-3240. If you need the assistance of a financial coach due to credit/debt issues - whether past or present or just need to talk to a credit expert, our partnership with GreenPath Financial Wellness offers our members access to a confidential Virtual Financial Coach. They can help you with free resources designed to help you improve your credit score and borrowing potential.
*APR = Annual Percentage Rate. Additional terms, fees, and restrictions may apply. All rates subject to change. All loans are subject to credit approval based on creditworthiness, qualifications, and collateral. NMLS# 410405. Reward points and cash back bonus are earned based on qualifying dollars spent and vary based on type of card. The Annual Percentage Rate of our basic Visa Classic, Visa Gold, and Visa Secured cards are at fixed rates as stated above. The Annual Percentage Rates of our Visa Signature, Visa Rewards, and Visa Classic-Lower Interest Card are at a variable rate based on the Wall Street Journal US Prime Rate which may vary with the market. Cash Advances made on any card will incur a 2% APR increase on the amount advanced above the current card's APR. There is an over-the limit-fee of $30.00 and late payment fee of $30.00 on all cards. Cash back and points are based on qualifying dollars spent and vary depending on card type with details available in the Terms & Conditions of the Real Time Rewards site behind Online Banking. For details, contact the Credit Union direct at 251-316-3240.
Visa Credit Card Disclosure.
VISA® Credit Cards
Our NHCU Credit Cardholders enjoy a robust credit card program featuring:
- Tap Functionality,
- Enhanced Security Features,
- 24/7 Cardholder Service at 1-888-333-4954 (for activation, PINs, reporting lost/stolen/fraud),
- Robust Card Alert Features available via our New Horizons Credit Union Card Services App available in the Google Play and iTunes App Store,
- Digital Wallet capability with its own tech support hotline at 1-833-400-3092.
Click a Card to View Details
Our NEW Visa Credit Cards
New Horizons Credit Union offers four Visa credit cards each designed to help our members save. Our cards feature competitive rates with no annual fees. Below is information about our various Credit Card options with their features and benefits.
This Signature Visa Credit Card comes with rewards and is for those members who need a higher credit limit, more spending power, and more travel benefits.- No Annual Fee and no balance transfer fee to save you money.
- This Signature Card comes with several added benefits that our other cards do not offer such as: Auto Rental Discounts & Auto Rental Collision Damage Insurance, Roadside Dispatch, Travel Emergency Assistance, Lost Luggage Reimbursement, Trip Cancellation/Interruption Protection, and Extended Warranty Protection. To learn more about these extra benefits or for 24/7 assistance while traveling, call the Visa Assistance Center at 1-800-VISA-911 or go online to Visa.com.
- Minimum credit limit is $5,000.00; Maximum credit limit is $25,000 based on qualifications and credit.
- Choose between Cash Back or Points when you apply. Earn 1.25 points for each qualifying dollar you spend. Points are redeemable for merchandise, gift cards, or travel through Real Time Rewards. Your Real Time Rewards points will appear behind Online Banking. The Real Time Rewards help line is 1-866-534-6331.
- Make convenient payments and check rewards behind Online Banking.
- Variable Rate - Based on the U.S. Prime Rate.
- See additional disclosure information at the bottom of this page.
NEW HORIZONS CREDIT UNION
VISA® REWARDS
Variable Rate currently as low as 14.40% APR*
This card gives our members the option for Reward Points OR Cash Back.
- No Annual Fee and no balance transfer fee to save you money
- Minimum credit limit is $500; Maximum credit limit of $25,000 based on qualifications and credit.
- Enjoy the added benefits of Auto Rental Collison Damage Waiver Insurance, Travel Emergency Assistance, and Extended Warranty Protection when using this card. To learn more about these extra benefits or for 24/7 assistance while traveling, call the Visa Assistance Center at 1-800-VISA-911 or go online to Visa.com.
- Choose between Cash Back or Real Time Points when you apply. Earn 1 point for each qualifying dollar you spend. Points are redeemable for merchandise, gift cards, or travel through Real Time Rewards. Your Real Time Rewards points will appear behind Online Banking. The Real Time Rewards help line is 1-866-534-6331.
- Make convenient payments and check rewards behind Online Banking.
- Variable Rate - Based on the U.S. Prime Rate.
- See additional disclosure information at the bottom of this page.
NEW HORIZONS CREDIT UNION
VISA® CLASSIC-LOWER INTEREST RATE
Variable Rate currently as low as 10.49% APR*
This card offers our members a lower annual percentage rate without any rewards program. Members may prefer a lower rate over earning reward points to help keep monthly payments more affordable.
- No Annual Fee and no balance transfer fee to save you money.
- Minimum credit limit is $500; Maximum credit limit is $10,000.
- Enjoy the added benefits of Auto Rental Collision Damage Waiver Insurance, Travel Emergency Assistance, and Extended Warranty Protection when using this card. To learn more about these extra benefits, call 1-800-VISA-911 or go online to Visa.com.
- Choose this card for a lower rate without rewards.
- Make convenient payments and check rewards behind Online Banking.
- Variable Rate - Based on the U.S. Prime Rate.
- See additional disclosure information at the bottom of this page.
This card is ideal for college students or anyone trying to establish or re-establish credit. The line of credit is based on the amount secured so you never risk going over what you can afford to pay back. Many members may use this card as an introduction to expense management before applying for one of our other Visa Credit Cards.
- No Annual Fee and no balance transfer fee to save you money.
- Starts with a minimum credit line of $500 and Maximum credit limit is based on the amount secured.
- Enjoy the added benefit of Auto Rental Collision Damage Waiver Insurance when using this card. To learn more about this extra benefit, call 1-800-VISA-911 or go online to Visa.com.
- Choose between Cash Back or Points when you apply. Earn 1 point for each qualifying dollar you spend. Points are redeemable for merchandise, gift cards, or travel through Real Time Rewards. Your Real Time Rewards points will appear behind Online Banking. The Real Time Rewards help line is 1-866-534-6331.
- Make convenient payments and check rewards behind Online Banking.
- See additional disclosure information at the bottom of this page.
Card Service Mobile App
to Set Up Free Card Alert Notifications
If you have one of our credit cards, you may be interested in setting up card ALERT NOTIFICATIONS on card activity. Look for instructions on our designated Visa Card App, New Horizons Credit Union Card Services, for NHCU Card Info in the Google Play and iTunes App Stores. iPhone users may see it as New Horizons CU Card Services, and Android users may see it as New Horizons Credit Union Card Services in the App Store.
With this FREE service, you can stay informed of certain types of transactions, monitor your account to avoid fraud, and possibly avoid unwanted fees. Alerts can be sent via text or email messages. Simply call 1-888-333-4954 for the Mobile App Cardholder service.
Once you have created your username and passcode for logging on, you will have access to:
- Viewing balances and transaction history
- Setting up card alerts
- Turn card on or off and block certain transactions
- Other features depending on your device (Apple or Android).
Use this App in addition to the New Horizons Credit Union app to get the most benefit out of your card. Experience the freedom of mobile banking from the palm of your hand.
Your security is our priority. Mobile data and account information are protected by encryption, similar to Online Banking. This app uses Device Administrator permissions.
If you need NHCU Card Service Mobile App support, you may call 1-833-400-3092. This support team can help with:
- Downloading the app or locating from various App Stores
- SMS/Text Messaging features of the service
- Use of features configured for the Mobile App
- And, other limited levels of technical/device support
Digital Wallet Capability
Digital Wallet capabilities is available with its own tech support hot line of 1-833-400-3092 for quicker mobile support. So, lots of great features to know about with your new card!
Credit Card Payments, Rewards, & Other Options
Access to Credit Card information is securely behind Online Banking to also allow you to view any accumulated Real Time Reward Points, set alerts, view e-Statements, and for easy transfer of payments from an NHCU account to our NHCU Credit Card. We also offer these other options to make Credit Card payments: