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.

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  • Same rate for purchase, cash advance, and balance transfer
  • No fee for purchase or balance transfer
  • No transaction fee for cash advance
  • Free online account access
  • Low monthly payments

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

We take Credit card fraud seriously. For your protection our VISA cards offer purchases up to $5,000.00 or 15 transactions per day. If you you plan to make a large purchase you can call us ahead at 989-739-1401, Mon-Fri during regular business hours to have your transaction limit temporarliy lifted.


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. 

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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. 

*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.

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