Northwoods Credit Union Platinum Cards

Local Service

Lower Rates and No Annual Fees

One online login for all your Northwoods Credit Union accounts

Platinum Rewards

Platinum Rewards

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  • Start earning rewards like travel and cash back!
  • Rate's starting at 12.95% and NO annual Fee
  • Limits up to $50,000

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Platinum Low Rate

Platinum Low Rate

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  • This card has a low interest rate, no hidden fees and local service.
  • Rate's starting at 8.99% and NO annual fee
  • Limits up to $50,000

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Both Accounts Feature:

Check your credit card balance - login in the top right corner of this page through our Online Banking & click on 'Credit Cards' in the green menu bar

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Minimum Interest Charge: The minimum charge will be charged on any dollar amount.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases*Visa Platinum

8.99%, 10.99%, 13.99%, 15.99%, or 17.99% when you open your account, based on your creditworthiness.

Visa Rewards

12.95%, 14.95%, 16.95%, or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers ᵻVisa Platinum

8.99%, 10.99%, 13.99%, 15.99%, or 17.99% when you open your account, based on your creditworthiness.

Visa Rewards

12.95%, 14.95%, 16.95%, or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash AdvancesVisa Platinum

8.99%, 10.99%, 13.99%, 15.99%, or 17.99% when you open your account, based on your creditworthiness.

Visa Rewards

12.95%, 14.95%, 16.95%, or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

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 at http://www.consumerfinance.gove/learnmore.

Fees

Transaction Fees

- Foreign Transaction Fee

None

Penalty Fees

- Late Payment Fee
- Visa Platinum - Visa Low Rate - Returned Payment Fee

Up to $25.00
Up to $25.00 Up to $25.00

Other Disclosures

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

*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.