Credit union · NCUA insured
Northwest Federal Credit Union Credit Card Rates
Northwest Federal Credit Union credit cards start at 12.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Northwest Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Washington, DC-VA-MD-WV, where Northwest Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Northwest Federal Credit Union
12.99%APR
- Up to
- 18.00% APR
Visa Platinum Credit Card
Lowest rate
American Broadcast Employees FCU
6.99%APR
- Up to
- —
2nd-lowest rate
IDB Global Federal Credit Union
7.00%APR
- Up to
- 18.00% APR
Northwest Federal Credit Union credit card score
67
Credit card score
Higher than 18% of U.S. banks and credit unions
- Purchase APRPurchase APR12.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northwest Federal 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.
FirstCard Platinum Visa Credit Card
Designed for building credit. Credit limit of $250 for members under 18 (co-applicant required, minimum age 15, paper application). Credit limit up to $1,000 for members 18 and older. Members under age 22 may require an adult co-signer. Requires completion of a credit basics course and Northwest Federal Credit Union membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 15.90% | None | Non-variable APR. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. |
NOW Plus Rewards Credit Card
Requires Northwest Federal Credit Union membership (opening a primary savings account with share par balance). Variable APR based on Prime Rate published in WSJ on the last business day of the prior month plus margin, evaluated based on creditworthiness. Earns 2 points per $1 spent on net purchases.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 13.99%–18.00% | None | Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26. Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 13.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. No annual fee, no cash advance fee, no foreign transaction fee. Balance transfers subject to a 3% fee. |
One more rate on its site comes from an older rate sheet (2025) and isn’t shown as current.
Savings Secured Visa Platinum
Secured credit card to build or rebuild credit. Funds equal to 100% of credit limit are held/pledged in primary savings account as collateral. Requires Northwest Federal Credit Union membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 10.99%–18.00% | None | Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26. Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 10.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. No annual fee, no cash advance fee, no foreign transaction fee. Balance transfers subject to a 3% fee. Funds are held in primary savings account to secure credit limit. |
Visa Platinum Credit Card
Requires Northwest Federal Credit Union membership (opening a primary savings account with share par balance). Variable APR based on Prime Rate published in WSJ on the last business day of the prior month plus margin, evaluated based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.99%–18.00% | None | Variable APR based on Prime Rate published in WSJ on the last business day of the prior month. Initial APR ranges from 12.99% to 18.00% based on creditworthiness. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no cash advance fee and no foreign transaction fee. Balance transfers are subject to a 3% fee on the transaction amount. Rate current as of 10/21/26 on rate sheet; product page states as of 10/01/26. |
Who can join Northwest Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees, members, and volunteers of over 600 partner businesses and community organizations nationwide are eligible for membership.
Military, government and schools
- Employees or members of several federal government agencies are eligible for membership.
Family and household
- Immediate family members (spouse, children, siblings, parents, grandparents) and household members (sharing residence and living expenses) of eligible members are eligible to join.
Cost to join
- Membership requires opening a primary savings account.
Membership information collected October 4, 2026.