Credit union · NCUA insured
Northwoods Credit Union Credit Card Rates
Top CarrotNorthwoods Credit Union credit cards start at 8.99% APR on purchases, after any introductory rate. Rates checked October 16, 2026.
How Northwoods Credit Union’s credit card rates compare
Compared with banks and credit unions near Duluth, MN-WI, where Northwoods Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Northwoods Credit Union
8.99%APR
- Up to
- 17.99% APR
Visa Platinum
Lowest rate
Minnesota Power Employee Credit Union
7.90%APR
- Up to
- 15.90% APR
2nd-lowest rate
North Star Credit Union
7.90%APR
- Up to
- —
Northwoods Credit Union credit card score
88
Credit card score
Higher than 82% of U.S. banks and credit unions
- Purchase APRPurchase APR8.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Northwoods 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.
Visa Platinum
Rates determined based on creditworthiness of applicant. Membership eligibility required. No annual fee, balance transfer fee, or foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 8.99%–17.99% | None | APR for purchases, balance transfers, and cash advances: 8.99%, 10.99%, 13.99%, 15.99% or 17.99% based on creditworthiness when you open account. No annual fee. |
Sources (3)
- northwoodscu.org/cards/platinum-rewards-card
- northwoodscu.org/cards/credit-cards
- northwoodscu.org/cards/platinum-low-rate-credit-card
All captured Oct 16, 2026
Visa Rewards
Rates determined based on creditworthiness of applicant. Variable APR based on Prime Rate. Membership eligibility required. No annual fee, balance transfer fee, or foreign transaction fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 14.70%–18.00% | None | Variable APR for purchases, balance transfers, and cash advances: 14.70%, 16.70%, 18.00% or 18.00% based on creditworthiness and varies with the market based on the Prime Rate. No annual fee. |
Sources (2)
All captured Oct 16, 2026
Who can join Northwoods Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, attend school, volunteer, or worship in Carlton, Pine, St. Louis, Douglas, Burnett, Aitkin, Kanabec, or Itasca County are eligible to join.
Employers and groups
- Employees of listed select employer groups (Casino Pizza & Sub Shop, Potlatch, Cloquet Terminal Railroad, Cloquet Transit/LCS Coaches, Community Printing, Inter-Faith Care Center, RAM Mutual Insurance Company, Ray Riihiluoma, Inc., Re/Max of Cloquet, Sappi North America, Upper Lakes Foods, WKLK Radio Station) and members of VFW of Carlton are eligible to join.
Military, government and schools
- Employees of Carlton County, Carlton School District, City of Carlton/Carlton Fire Department, City of Wrenshall/Wrenshall Fire Department, or Esko School District are eligible to join.
Family and household
- Immediate family (including spouses, children, parents, siblings, and other qualifying relatives) and household members of current Northwoods Credit Union members are eligible for membership.
Membership information collected October 4, 2026.