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Credit card rates
Review current APRs, fees, and disclosures before choosing a card.
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NCU Credit Card App
Manage your Northwoods Visa® credit card from your phone.
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| 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.
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 Northwoods Visa® Credit Card
Get a card that fits your needs, with local help close by.
Credit Card Rates, Fees, and Disclosures
| 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.
| Late payment fee – Visa Platinum |
$25.00 or the amount of the required minimum Payment, whichever is less, if you are ten (10) Or more days late in making a payment. |
| Late payment fee – Visa Rewards |
$25.00 or the amount of the required minimum Payment, whichever is less if you are five (5) or More days late in making a payment. |
| Returned payment fee |
$25.00 or the amount of the required minimum Payment, whichever is less. |
| Statement copy fee |
$2.00 per page |
| Document copy fee |
$2.00 |
| Rush fee/emergency card replacement fee |
$25.00 |
| PIN replacement fee |
$5.00 |
| Card replacement fee |
$10.00 |
| Pay-by-phone fee |
$5.00 |
Rates effective as of: August 26, 2026
*Effective date: The information about the costs of the card described in this application is accurate as of August 1, 2016. This information may have changed after that date. To find out what may have changed, contact the credit union.
*Prime rate as published by the Wall Street Journal on the first business day of March, June, September & December will be used to determine the rates for billing cycles closing on or after the first day of April, July, October & January, respectively. An increase in Prime will increase the variable Daily Periodic Rate (& corresponding annual percentage rate) & may increase the finance charge & the minimum monthly payment due on your account. At the date this web page went live, the information listed above was accurate. Because rates & terms are subject to change, you may contact us for the current information by writing to us. There is no grace period for cash advances. Revised 11/2015.
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