Rates Locations & HoursLost or Stolen CardContact 1-888-458-0975 ncu@northwoodscu.org
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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
12.45%, 14.45%, 16.45%, 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 TransfersVisa Platinum
8.99%, 10.99%, 13.99%, 15.99%, or 17.99% when you open your account, based on your creditworthiness.
Visa Rewards
12.45%, 14.45%, 16.45%, 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
12.45%, 14.45%, 16.45%, 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 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
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.

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
Payment Example: $2,000 at 10.45% for 24 months equals $92.74.
Rates based on creditworthiness. Rates range from 10.45% APR to 17.95%
Repayment terms of 3% of outstanding balance or $50, whichever is greater.

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.

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