Northwest Federal Credit Union Credit Card Application Disclosure 

Interest Rates and Interest Charges 

FirstCard Visa® Platinum 

Visa® Platinum 

NOW REWARDS Visa® 

Annual Percentage Rate 
(APR) for Purchases 

12.90% 

APR for Balance 
Transfers 

12.90% 

APR for Cash Advances 

12.90% 

None 
Penalty APR 
Minimum Interest Charge  None 

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. 
7.24% to 18.00%
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
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. 
None 
None 

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. 
8.24% to 18.00%
based on your 
creditworthiness. This APR 
will vary with the market 
based on the Prime Rate. 
8.24% to 18.00% when you 
open your account, based 
on your creditworthiness. 
After this, your APR will vary 
with the market based on the 
Prime Rate. 
None 
None 

How to Avoid Paying 
Interest on Purchases 

For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 
Fees 

Annual Fee 
Transactions Fees 

Balance Transfer

•
• Cash Advance
•

Foreign
Transaction

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 

To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at 
http://www.consumerfinance.gov/learnmore 

None 

None 

None 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

3.00% of transaction amount 
None 
None 

Penalty Fees 

Late Payment

•
• Returned
Payment

Up to $35 
Up to $35 

• Over-the-Credit

None 

Limit

Up to $35 
Up to $35 

None 

Up to $35 
Up to $35 

None 

How We Will Calculate Your Balance: We use a method called “average daily balance” (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 the Wall Street Journal on the last business day of the prior month. 
Your APR is determined by adding a Margin to the U.S. Prime Rate. The Margin is a percentage amount that we 
determine based on an evaluation of your credit history and ranges from 3.99% to 13.49% depending on 
product type. 

The information on this disclosure is current as of May 17, 2021 and is subject to change.  To determine if any 
changes have occurred since this date call 844-709-8900.