Northwest Federal Credit Union Credit Card Application Disclosure  
FirstCard Visa � Platinum  Visa � Platinum  NOW REWARDS  Visa � 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases 12.90% 7.24% to 18.00%
when you open your account, based on your creditworthiness. 
After this, your APR will vary with the market based on the 
Prime Rate.  8.24% to 18.00%
when you open your account, based on your creditworthiness. 
After this, your APR will vary with the market based on the 
Prime Rate.  
APR for Balance Transfers 12.90% 7.24% to 18.00%
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  8.24% to 18.00%
based on your creditworthiness. This APR will vary with the market 
based on the Prime Rate.  
APR for Cash Advances 12.90% 7.24% to 18.00% when you open your account, based on your creditworthiness. After this, your APR will vary with the market based on the Prime Rate. 8.24% to 18.00% when you open your account, based on your creditworthiness. After this, your APR will vary with the market based on the Prime Rate. 
Penalty APR  None  None  None  
Minimum Interest Charge  None  None  None  
How to Avoid Paying Interest on Purchases Your 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  
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau  To learn more about factors to consider when applying for or using a credit card, visit t he 
website of the Consumer Financial Protection Bureau at 
http://www. consumerfinance.gov/learnmore  
Fees  
Annual Fee None None None 
Transactions Fees  
�Balance Transfer�Cash Advance
�Foreign
Transaction3.00% of transaction amount None None 3.00% of transaction amount None None 3.00% of transaction amount None None 
Penalty Fees  
�Late Payment�ReturnedPayment
�Over-the-Credit
LimitUp to $35 Up to $35 
None Up to $35 Up to $35 
None Up to $35 Up to $35 
None 
How We Will Calculate Your Balance: We us e a method called �av erage daily balanc e� (including new 
purchases.) 
Variable Rate Information: For Platinum and NOW Rewards cards, your APR is subject to change monthly 
based on the U.S. Prime Rate published in th e Wall S treet J ournal on t he last b usiness day of t he prior m onth. 
Your APR i s determined by add ing a Margin to t he U .S. P rime Rate. T he Margi n is a percentage amount th at we 
determine based on an evaluation of your c redit hi story  and ranges f rom 3. 99% t o 13. 49% dependi ng on 
product type. 
The information on this disclosure is c urrent as of May  17, 2021 and is subject to change.  To determine if any 
changes  have occurred s ince this date call 844-70 9-8900.