Credit union · NCUA insured
Northern Credit Union Credit Card Rates
Northern Credit Union credit cards start at 9.40% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Northern Credit Union’s credit card rates compare
Compared with banks and credit unions near Watertown, NY, where Northern Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Northern Credit Union
9.40%APR
- Up to
- 18.40% APR
Platinum Visa
Lowest rate
SeaComm Federal Credit Union
8.99%APR
- Up to
- 17.99% APR
3rd-lowest rate
Navy Federal Credit Union
10.24%APR
- Up to
- 18.00% APR
Northern Credit Union credit card score
88
Credit card score
Higher than 80% of U.S. banks and credit unions
- Purchase APRPurchase APR9.40%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northern Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Platinum Rewards Visa
Maximum line of $25,000. Loan approval is based on member's credit history and overall ability to pay. Credit union membership required. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.40%–19.40% | None | Regular purchase APR based on creditworthiness. Variable APR based on Prime Rate. No annual fee and no balance transfer costs. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for the first 12 months after account opening; reverts to 13.40% to 19.40% APR after the promotional period. Does not apply to purchases. |
Platinum Visa
Maximum line of $25,000. Loan approval is based on member's credit history and overall ability to pay. Credit union membership required. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 9.40%–18.40% | None | Regular purchase APR based on creditworthiness. Variable APR based on Prime Rate. No annual fee and no balance transfer costs. |
| Intro, 12 months | 0.00% | None | Introductory 0% APR on balance transfers for the first 12 months after account opening; reverts to 9.40% to 18.40% APR after the promotional period. Does not apply to purchases. |
Secured Visa
Requires a refundable deposit equal to the credit line issued. Maximum line of $25,000. Does not qualify for introductory balance transfer APR. Credit union membership required. Variable APR based on Prime Rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.49% | None | No annual fee. Secured by refundable deposit. APR varies with market based on Prime Rate. Does not qualify for introductory APR. |
Who can join Northern Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Open to anyone
- Membership is available to members of the American Consumer Council (ACC), with complimentary ACC membership offered so anyone living outside the local communities can qualify.
Where you live or work
- Individuals who live, work, worship, attend school, or regularly do business in Northern New York or communities currently served are eligible for membership.
Family and household
- Immediate family members of current or eligible Northern members (spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, or adoptive relationship) are eligible for membership.
Cost to join
- A minimum deposit of $5 into a savings account is required to maintain membership.
Membership information collected October 5, 2026.