Credit Cards at Northwest Community Credit Union

Our Card is All You’ll Need.

Credit cards don’t need to be complicated. Our Visa® cards offer low rates and fewer fees than you’ll find most anywhere else. In addition, our balance transfers have no fees and share the same low rates as purchases, which make these cards a perfect balance transfer option. Learn more about our cards and how they can keep your life and wallet simple.

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Compare Our Visa Options

Build Credit

Some of the best cards around. Plus, choose from several Northwest-inspired card designs.

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Northwest Visa

Variable rate based on prime plus a margin determined by your credit score.

Purchase & Cash Advance Rate	Minimum Monthly Payment
11.50% to 21.50% APR*	$25 or 2% of balance, whichever is greater

Share Secured Visa

Secured by a savings account.

Purchase & Cash Advance Rate	Minimum Monthly Payment
14.90% Fixed Rate	$20 or 3% of balance, whichever is greater

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

Visa Disclosures

Visa Card Agreement

Service Fees and Charges

Earn Rewards

Your new everyday card comes with no balance transfer fee, a consistently low rate and rewards.

All Rewards cards get rewarded for:

Opening a new account. Earn 10,000 bonus points after 90 days and a minimum of $1,000 in purchases. AND you’ll earn 3 points for every $1 spent for the first 90 days.
Spending. Earn 1.5 points for every $1 spent.
Cash Advances. Earn 1 point for every $10 on cash advances, no limit.
Balance Transfers. Earn 1 point for every $10 on balance transfers, no limit.
Keeping your card active. Earn 1,000 points every year on your card anniversary (the month you opened up your Visa® Rewards card).
Using eServices. Earn 500 points by setting up your card with the following amenities:

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Platinum Northwest Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum Monthly Payment	Rewards
13.50% to 22.50% APR*	$25 or 2% of balance, whichever is greater	1.5 Rewards Points for every $1 purchase 1.5% Cash Back** Opening bonus and options for bonus points

Home Equity Rewards Visa - 1st Variable

Great for members who’d like ongoing access to equity with no existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum monthly payment	Features	Rewards
As low as 8.50% APR*	1% of balance or $125, whichever is greater	Up to 100% combined Loan-To-Value Appraisal may be required 10-year draw period Easy access with Visa card Option to Fix rate on balances over $5,000 Potential tax benefits**	1.5 Rewards Point for every $1 purchase 1.5% Cash Back** Opening bonus and options for bonus points

Home Equity Rewards Visa - 2nd Variable

For members who’d like ongoing access to equity and have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum monthly payment	Features	Rewards
As low as 9.00% APR*	1% of balance or $125, whichever is greater	Up to 100% combined Loan-To-Value Appraisal may be required 10-year draw period Easy access with Visa card Option to Fix rate on balances over $5,000 Potential tax benefits**	1.5 Rewards Point for every $1 purchase 1.5% Cash Back** Opening bonus and options for bonus points

Business Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum Monthly Payment	Rewards
10.25% to 19.25% APR*	$25 or 2% of balance, whichever is greater	1.5 Rewards Point for every $1 purchase 1.5% Cash Back** Opening bonus and options for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

**Cash Back rewards is credited to your Visa balance.

Details about Visa Rewards Program

Visa Disclosure

Visa Card Agreement

Business Visa Disclosure

Home Equity Disclosure

Service Fees and Charges

Redeem Rewards

Log on, shop, and redeem!

Grow Your Business

The best of rewards for your business account.

Apply for Business Visa Now

Business Rewards Visa

Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum Monthly Payment	Rewards
10.25% to 19.25% APR*	$25 or 2% of balance, whichever is greater	1 Rewards Point for every $1 purchase Opening bonus and opportunities for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply.

Visa Card Agreement

Business Visa Disclosures

Business Services and Loans Fees and Charges

Improve Your Home

Get easy access to home equity with the convenience of a card and the perks of rewards.

Apply for a Home Equity Visa Now

Home Equity Rewards Visa - 1st Variable***

Great for members who don't have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum monthly payment	Features	Rewards
As low as 8.50% APR*	1% of balance or $125, whichever is greater	Up to 100% combined Loan-To-Value Appraisal may be required 10-year draw period Easy access with Visa card Option to Fix rate on balances over $5,000 Potential tax benefits**	1 Rewards Point for every $1 purchase Opening bonus and opportunities for bonus points

Home Equity Rewards Visa - 2nd Variable***

Great option for members who have an existing first mortgage. Earn points for purchases and balance transfers. Redeem Points for merchandise, gift cards, travel services or cash. Plus, choose your card design.

Purchase & Cash Advance Rate	Minimum monthly payment	Features	Rewards
As low as 9.00% APR*	1% of balance or $125, whichever is greater	Up to 100% Combined Loan-To-Value Appraisal may be required 10-year draw period Easy access with Visa card Option to Fix rate on balances over $5,000 Potential tax benefits**	1 Rewards Point for every $1 purchase Opening bonus and options for bonus points

*APR is Annual Percentage Rate. Rates are based on your credit score, are subject to change without notice, and may vary after account is opened. Membership and credit qualifications may also apply. The annual percentage rate is based on the value of an index. The index which is the Western Edition Wall Street Journal Prime Rate. The annual percentage rate can change quarterly on the 11th day of January, April, July and October.

**Talk to a tax professional about potential tax benefits.

***To open your account, you must pay certain fees to third parties such as appraisers, credit reporting firms, and government agencies. These fees generally total between $379.00 - $513.00. Upon request, we will provide you with an itemization of the fees you will have to pay to third parties.

Home Equity Disclosures

Service Fees and Charges

Manage Your Card Anytime

Turn your card on/off and manage spending easily.

Learn More About CardValet

Member Business Account
Membership fee	$10.00
If this account is closed within 180 days of opening	$15.00

Regular Business Checking
Minimum deposit required	$100.00
Monthly fee if your balance drops below $2,500	$10.00
Per item fee, after the first 99 check withdrawals in a month	$0.15
Per item fee, after the first 15 deposited checks in a day	$0.15

Small Business Checking
Minimum deposit required to open	$100.00
Monthly fee is the balance drops below $1,000	$7.00
Per item fee, after the first 50 check withdrawals in a month	$0.15
Per item fee, after the first 10 deposited checks in a day	$0.15

Business Launch Checking
Minimum deposit required to open	$100.00
Monthly fee	Free
Per item fee, after the first 50 checks issued or debit items in a month	$0.25
Per item fee, after the first 5 items deposited in one day	$0.25

Visa® Credit Card
Annual fee	Free
Cash advance fee	$3.00 or 1.5% of purchase
Emergency card issuance	$50.00
Reissue lost or stolen card	$5.00

Credit Cards

Our Card is All You’ll Need.

Compare Our Visa Options

Build Credit

Apply Now

Northwest Visa

Share Secured Visa

Visa Disclosures

Visa Card Agreement

Service Fees and Charges

Earn Rewards

Platinum Northwest Rewards Visa

Home Equity Rewards Visa - 1st Variable

Home Equity Rewards Visa - 2nd Variable

Business Rewards Visa

Redeem Rewards

Grow Your Business

Apply for Business Visa Now

Business Rewards Visa

Business Services and Loans Fees and Charges

Improve Your Home

Apply for a Home Equity Visa Now

Home Equity Rewards Visa - 1st Variable***

Home Equity Rewards Visa - 2nd Variable***

Manage Your Card Anytime

Turn your card on/off and manage spending easily.

How to Read Your Credit Card Statement

Redeem Your Visa Card Rewards

Manage Your Cards With CardValet

Automated Clearing House (Electronic Transfers)*
Annual fee	$60.00
Setup fee	$60.00
Monthly fee	$20.00
Debit items	Free
Credit items (per item fee, after the first 25 credit items)	$0.12
File deletion	$20.00
File reversal	$20.00

Night Deposit (select locations)
First deposit bag and use of this service	Free
Each additional deposit bag	$5.00

Miscellaneous
Rolled coin deposits	$0.10 per roll
Cash deposits	$0.25 per $100
Currency purchases	$0.25 per strap
Rolled coin purchases	$0.10 per roll
Inaccurate deposit slip correction	$2.00 per occurrence

Personal Checking Monthly Fees
Northwest Checking	Free
Northwest Secure Checking	$4.00
Essential Checking (with eStatements)	$8.00
Essential Checking (if not signed up for eStatements)	$9.00

Related Checking Fees (personal or business)
Stop payment, per item, per range or sequence	$28.00
Paid or returned overdraft (NSF) fee, per item (check, ACH, or Bill Pay)	$28.00
Overdraft transfer fee, per occurrence	$3.00

Automated Teller Machines (ATM)*
Withdrawal/inquiry at non-CO-OP network ATM	$1.50
New card issuance and anniversary date thereafter	$10.00

Credit/Debit Cards
Copies of charge slips (per transaction)	$10.00
Replace card	$5.00
Emergency card issuance	$50.00

Wire Transfers
Direct wire transfers inside the USA	$25.00
Direct wire transfers outside the USA	$55.00

Miscellaneous
Membership fee	$10.00
Paper State service charge	$2.00/each
Closing checking or savings within 180 days of opening account	$15.00
Inactive checking (no activity has occurred on a checking account for 90 days with a balance of less than $1,000)	$5.00 per month
Dormant account fee (no activity on any of your accounts for more than one year)	$5.00 per month
Single service fee (member only has savings account with less than $100 and is age 19 or older)	$5.00 per month
Undeliverable or incorrect statement address	$5.00
Foreign item fee	$25.00
Garnishment processing fee (per item)	$50.00
Research, copies, or account reconciliation, per half hour ($5 minimum)	$15.00
Returned checks on another person's account at another institution	$10.00
Returned checks on your account at another institution	$25.00
Phone loan payment using non-NWCU card	$10.00
Expedited title fee	$15.00
Cashier's checks (first check per day is free)	$2.00 per check
Declaration of loss (cashier's check)	$25.00
Check cashing (member only has savings account with less than $100 and is age 19 or older)	10% of check or $10 maximum
Skip payment request (via eBanking)	$30.00
Skip payment request (via branch)	$40.00