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Get Your 0% APR* MasterCard today!


Click here to apply online today!

Not yet a member? Enter your Social Security Number in the Member Number field, or call us at (804) 359-8754.


New Generations Federal Credit Union is excited to offer an outstanding MasterCard credit card that doesn't break the bank! Looking for a way to affordably finance your summer vacation, appliance purchase, wedding, or anything else? We can help! With a 0.00% APR for 6 months, the New Generations MasterCard offers an affordable financing option for all of your purchasing needs.

Or, if you have credit card balances outstanding already, transfer them over to a New Generations MasterCard and pay absolutely no balance transfer fees!

The New Generations MasterCard is just one more way we're building financial strength, together.

 0.00% APR* Fixed Rate for 6 billing cycles on...

  • Purchases
  • Balance Transfers
  • Cash Advances
  • Apply now!

What makes it special?

  • No annual fee
  • No balance transfer fees of any kind!
  • MasterCard Global Service
  • MasterAssist® Travel Assistance Services
  • Master RoadAssist®
  • MasterRental® Insurance/CDW
  • Purchase Assurance
  • Apply now!

We offer three different types of MasterCard, and all three include the special benefits listed above. Take a look at our cards below:


  • Low interest rates
  • Generous credit limits
  • Apply now!


  • Earn 1 rewards point for every dollar spent!
  • Points are redeemable for merchandise, travel, and gift cards
  • Receive 1,000 bonus points for conducting your first transaction
  • Generous credit limits
  • Apply now!


  • Helps build or re-establish credit history
  • Generous credit limits
  • Apply now!

These low rates won't last forever. Why wait? Apply today for your New Generations MasterCard. Have questions before applying or want to ensure you're eligible for membership? Give us a call! (804) 359-8754

* APR = Annual Percentage Rate. Afterwards, variable rates as low as 8.15% and 9.15% APR will apply to Platinum and Platinum Rewards cards respectively. Platinum Secured cards will receive an 8.99% APR fixed for 12 billing cycles on purchases, balance transfers, and cash advances, and revert to as low as 16.15% APR thereafter.

New Generations is a Member-Owned Financial Cooperative serving Richmond since 1950
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
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We Do Business in Accordance With Federal Fair Lending Laws.
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