Local Service
Lower Rates and No Annual Fees
One online login for all your Northwoods Credit Union accounts
EMV Chip Card Technology for your extra security
No Balance Transfer Fee or Foreign Transaction Fees
FREE Cell Phone Protection
Roadside Dispatch Program
Travel Accident Insurance
Platinum Low Rate Card
This card has a low-interest rate, no hidden fees, and local service.
– Rates starting as low as 8.99% APR fixed
– No Annual Fee
– Limits up to $50,000
Competitive Rates
Choose a Platinum Card with Northwoods Credit Union and start taking advantage of our amazing benefits as well as our competitive rates.
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 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
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| APR for Balance Transfers | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
|
| APR for Cash Advances | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
|
| 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 |
1 Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA average retail value on used autos for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA average retail value on used for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA average retail value on used for qualified borrowers.
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 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
|
| APR for Balance Transfers | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
|
| APR for Cash Advances | Visa Platinum 8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness. |
| Visa Rewards 15.20%, 17.20%, 18.00% or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Rates effective 10/1/2022 and subject to change without notice. |
|
| 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 |
1 Up to 125% financing on new autos for qualified members and up to 125% financing of the NADA average retail value on used autos for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA average retail value on used for qualified borrowers.
2 Rates are determined based on the creditworthiness of the applicant.
3 Terms are determined based on the creditworthiness of the applicant and by the loan amount.
4 Up to 125% financing on new for qualified members and up to 125% financing of the NADA average retail value on used for qualified borrowers.
Fees
| Transaction Fees | |
| Foreign Transaction Fee | None |
| Penalty Fees | |
| 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 |
*APR = Annual Percentage Rate
Payment Example: $2,000 at 10.95% for 24 months equals $94.00.
Rates based on creditworthiness. Rates range from 10.95% APR to 16.95%
Repayment terms of 3% of the outstanding balance or $50, whichever is greater.