Platinum Low Rate Card

A Platinum Low Rate Card from Northwood Credit Union offers local service, lower rates, no annual fees, and one online login for all your Northwoods Credit Union accounts.

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*

– No Annual Fee*

– Limits up to $50,000.00

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
16.20%, 17.95%, 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 10/1/2023 and subject to change without notice.
APR for Balance TransfersVisa Platinum
8.99%, 10.99%, 13.99%, 15.99% or 17.99% when you open your account, based on your creditworthiness.
Visa Rewards
16.20%, 17.95%, 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 10/1/2023 and subject to change without notice.
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
16.20%, 17.95%, 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 10/1/2023 and subject to change without notice.
How to Avoid Paying Interest on PurchasesYour 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 ChargeIf 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 BureauTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau

*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.

Fees

Transaction Fees
Foreign Transaction FeeNone
Penalty Fees
Late Payment Fee - Visa PlatinumUp to $25.00
Late Payment Fee - Visa RewardsUp to $25.00
Returned Payment FeeUp to $25.00

*APR = Annual Percentage Rate
Rates based on creditworthiness. Rates range from 8.99% APR to 17.99%
Repayment terms of 3% of the outstanding balance or $50, whichever is greater.