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VISA Products

Classic Visa LOGO on Northland VISA pg

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! 

  • 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

Effective January 31, 2021, your NAFCU VISA will no longer provide Auto Rental Collision Damage Waiver. All other card benefits will remain in place.  Click here  to learn about VISA sponsored benefits.

VISA with ScoreCard Rewards

With ScoreCard rewards you earn one point for every dollar spent on purchases. Points are good for four years and can be redeemed for CASH REWARDS, FUEL REWARDS, merchandise, gift cards, payback on purchases and travel rewards. You can redeem as little as 1,300 points for merchandise rewards on the things you use every day.

Introducing a new redemptive option. Premium Payback!

Travel Rewards may be used for airline tickets, hotel nights, rental car certificates, cruises, and vacation packages. Points can be used 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. For more information log onto

Share Secured VISA

If you're trying to establish credit, (or rebuild after a difficult financial past), a Secured VISA or a Fresh Start VISA may be right for you. They have all the benefits of a regular VISA, and they have an easy application process! Ask about your options today!  


About Daily Transaction Limits

Credit card fraud has reached an all-time high. For your protection, Northland consumer VISA cards offer the convenience of quick and easy purchases up to $2,500.00 or seven transactions per day. Planning a shopping spree or a large purchase? No worries! Transaction limits may be temporarily lifted upon request. Give us a call at 989-739-1401 Mon-Fri during regular business hours and we'll be happy to help!

Credit Limit Increases

If you would like 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

Questions on your Northland VISA account? 800-828-3901 Representatives available Monday - Friday 9:00am to 5:00pm EST, or view your account online at

To report a Lost or Stolen Northland VISA card after hours and weekends, call: 800-991-4961