Paying too much credit card interest? Transfer to our low interest VISA!
You have a choice when it comes to finding the right card for your credit needs. Whether you're looking for a card that earns points for every dollar you spend, or you just want a low rate, you'll find it at Northland Area Federal Credit Union. Interest rates are based on the member's credit score. Apply today. Call - Click - or Visit today!
| Three Cards, Three Choices, One Great Value! |
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| Annual Fee | None | None | None |
| Grace Period | 25-day on purchases* | 25-day on purchases* | 25-day on purchases* |
| Method of Computing the Balance for Purchases | Average Daily Balances | Average Daily Balances | Average Daily Balances |
| Rewards Program | ScoreCard point for each dollar spent | ScoreCard point for each dollar spent | ScoreCard point for each dollar spent |
| Acct Relationship Requirement | Northland Member | Northland Member | Northland Member |
| Cash Advance Fee | None | None | None |
| Balance Transfer Fee | None | None | None |
| Rates | 14.9% APR | 10.99% APR | 8.99% APR |
| Apply Online | Apply Online | Apply Online | Apply Online |
View our VISA Credit Card Agreement
In addition to the above, all our credit cards also offer the following:
- Same rate for purchases, cash advances, and balance transfers
- No fees for purchases or balance transfers
- No transaction fees for cash advances
- Acceptance at millions of locations worldwide
- Free online account access, including balance, payment, transaction, and statement information.
- Low monthly payments equal to 2.5% of your outstanding balance
VISA with ScoreCard Rewards
In our ScoreCard program, you earn one point for every dollar spent on purchases. Points are good for four years and can be redeemed for merchandise and travel rewards. You can redeem as little as 1,300 points for merchandise rewards in a variety of categories, including appliances, electronics, fashion, home furnishings, house wares, lawn & garden, tools, and sporting goods.
If you choose to redeem your points for travel rewards instead of merchandise, you can choose from a variety of options, including airline tickets, hotel nights, rental car certificates, cruises, and vacation packages. You can use your points to fly within the United States or to Mexico, the Caribbean, Europe, Asia or South America. Stay at a Marriott or Hyatt hotel or rent a vehicle from Hertz Car Rental or National Car Rental. It's all possible with ScoreCard.For more information log onto www.scorecardrewards.com.
Share Secured VISA
If you're trying to establish credit, (or rebuild after a difficult financial past), a Secured VISA may be right for you. With a credit line of up to $25,000 secured by your savings account, it has all the benefits of a regular VISA, and it's easy to qualify! Get more info.
Credit Limit Increases
If you are looking to increase the line of credit on your NAFCU credit card, simply apply now through our online credit card application. Complete the information as directed, just as if you were applying for a new credit card. Be sure to select the "Line of Credit Increase" option from the "Desired Loan Type" drop-down menu.
Verified by VISA
Shop with confidence online when you enroll your Visa card in the Verified by VISA program. Additional security verifies your account ownership when you make online purchases. Click the link above to learn more.
*Statement on charge card payments - You can avoid a Finance Change on purchases by paying the full amount of the New Balance each month within 25 days of your statements closing date. Otherwise, the New Balance of Purchases, and subsequent purchases from the date they are posted to your account, will be subject to a Finance Charge.
VISA Account Inquiries and Lost or Stolen Information
Toll Free Number for inquiries on your Northland VISA account: 800-828-3901 Representatives available Monday - Friday 9:00am to 5:00pm EST, or view your account online at www.ezcardinfo.com.
To report a Lost or Stolen Northland VISA card after hours and weekends, call: 800-991-4961.
Credit Card Repayment Calculator
Based on the information you provide, the calculator will give you an estimate of how long it will take you to pay off your credit card balance.
