A low-rate card for the Northland
A smart choice for balances you may carry.
A low-rate card with everyday value
Carry the card that keeps costs low and help close by.
Low rate options
Rates start as low as
No annual fee*
Keep more of what you earn. This card has no annual fee, with no balance transfer fees or foreign transaction fees.
Room for bigger purchases
Credit limits may be available up to $50,000, depending on approval.
Helpful protection included
Enjoy cell phone protection, Roadside Dispatch, and travel accident insurance.
Service from your local team
Questions about your card? Talk with the Northwoods CU team right here at home.
Your card comes with more
Enjoy a consistently low interest rate for everyday purchases, balance transfers, and unexpected expenses. Designed to help you save on interest while giving you the flexibility you need.
Compare our Platinum Low Rate Credit Card with leading competitors.
| APR* for | Visa Platinum | Visa Rewards |
|---|---|---|
|
Purchases |
|
|
|
Balance transfers |
|
|
|
Cash advances |
|
|
Rates effective as of: August 26, 2026
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 each month.
Minimum interest charge: If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
* APR = Annual Percentage Rate
* Rates are determined based on the creditworthiness of the applicant.
* Terms are determined based on the creditworthiness of the applicant and by the loan amount.
1 Rates when you open your account, based on your creditworthiness.
2 This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2026 and subject to change without notice.
| Transaction fees |
None |
| Foreign transaction fee |
None |
| Late payment fee - Visa Platinum |
Up to $25.00 |
| Late payment fee - Visa Rewards |
Up to $25.00 |
| Returned payment fee |
Up to $25.00 |
Rates effective as of: August 26, 2026
*APR = Annual Percentage Rate
Rates based on creditworthiness. Rates range from
Repayment terms of 3% of the outstanding balance or $50, whichever is greater.
What our customers say
Friendly service and willing to work with you when you are in a down and out situation. I would highly recommend Northwoods Credit Union!
They really do make dreams come true! The staff are very courteous and treat you as a person and not just a number!
Everyone Is very professional and friendly. 15 minutes to create your acct and you obtain debit card in same visit. Absolutely couldn't ask for more
Apply for a card that keeps costs in mind
Get a low-rate option with helpful benefits and local service.
Rates
| APR* for | Visa Platinum | Visa Rewards |
|---|---|---|
|
Purchases |
|
|
|
Balance transfers |
|
|
|
Cash advances |
|
|
Rates effective as of: August 26, 2026
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 each month.
Minimum interest charge: If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.
For credit card tips from the Consumer Financial Protection Bureau: To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau
* APR = Annual Percentage Rate
* Rates are determined based on the creditworthiness of the applicant.
* Terms are determined based on the creditworthiness of the applicant and by the loan amount.
1 Rates when you open your account, based on your creditworthiness.
2 This APR will vary with the market based on the Prime Rate. Rates effective 1/1/2026 and subject to change without notice.
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