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Low 3.99% APR* everywhere you shop this holiday season

Northwest Federal credit cardholders get a low rate of 3.99% APR* on purchases made November 1 thru December 31, 2018.

Use your card this holiday season for:

  • gifts for everyone on your list
  • everyday purchases from gas to groceries
  • travel arrangements to visit family and friends

Don't yet have one of our credit cards? Apply today to take advantage of this special purchase rate! 

Other valuable benefits include: 

  • rewards on purchases with your NOW REWARDS Mastercard® that can be used for travel, exciting events and experiences, gift cards, cash back or donation to a charity
  • no annual fee, no balance transfer fee, no cash advance fee**
  • 25-day interest free grace period for purchases
  • added travel benefits at no extra cost
  • and more!

Apply Today

*APR=Annual Percentage Rate. The 3.99% APR is valid on qualified purchases with your Northwest Federal credit card between November 1 and December 31, 2018 and is good for six billing cycles. After that, the APR for the unpaid balance will be 9.24%-18.00% based on your creditworthiness and will vary with the market based on the Prime Rate. The 3.99% APR is not valid on cash advances and balance transfers. Cardholders must be in good standing.
**Your initial Annual Percentage Rate will range from 9.24% to 18.00% based on the product your choose and your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.

Northwest Federal offers fraud alerts which help prevent fraudulent transactions from occurring on your credit card by texting your mobile phone when a suspicious transaction is identified. Watch this video to learn how you can start protecting your credit card account with text alerts today. 

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Credit Card Features

FirstCard

FirstCard Visa Platinum offers a low credit limit for members establishing or re-establishing credit

  • Non-variable rate of 12.90% APR*
  • No annual fee
  • No-fee cash advances
  • No-fee balance transfers
  • $250 credit limit for members under 18 years old. (Co-applicant required. Minimum age: 15)
  • Up to $1,000 credit limit for members 18 and older
  • Convenient online card management
  • Transaction alerts to keep your account secure

Apply Today

*Annual Percentage Rate (APR) is non-variable. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount.

Applicants must complete the course, Credit 101 as part of the application. This course can be completed online through the Knowledge of Financial Education (KOFE) program.

 NOW REWARDS card

NOW REWARDS Mastercard® provides reward points for purchases that can be used for travel, adventurous experiences, gift cards, merchandise, cash back or donation to a charity

  • 1.25x the points for every $1 spent on everyday purchases1
  • Easy access to your rewards through one click in Online Banking
  • Additional Mastercard cardholder benefits, including: travel benefits, emergency services, ID theft restoration, rental collision, and more. View Mastercard Guide to Benefits for details. 
  • 500 bonus points when you log-in to Online Banking to view your NOW REWARDS account in the first 30 days of opening your new card2

Plus, bonus points when you finance an auto or home loan with us:3

Car Loan = 5,000 points
Equity Loan = 1,000 points/$10,000 borrowed up to a maximum of 10,000 points
HELOC = 2,500 points
Mortgage Loan = 1,000 points/$10,000 borrowed up to a maximum of 10,000 points

Apply Today

NOW REWARDS Mastercard® Point Redemption 
Website: nwfcu.org/NOWREWARDS, log-in thru Online Banking to access NOW REWARDS site to view/redeem points
Program inquiries: 888-207-2234 available 24/7 to place new orders or check on existing orders
Travel redemption center is available: M-F 9:00 am-10:00 pm ET; Weekends 9:00 am-5:00 pm ET (closed some holidays)

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    Visa Platinum

Our Visa Platinum® credit card features our lowest variable rate (as low as 9.24% APR*)

Plus, these valuable benefits:

  • No annual fee
  • No-fee cash advances
  • No-fee balance transfers
  • Convenient online card management
  • Transaction alerts to help you monitor and protect your account 

Apply Today

*Your initial Annual Percentage Rate (APR) will range from 9.24% to 18.00% based on your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount. 

MyCardInfo makes it easy to manage your credit card online

  • Enroll in eStatements
  • Make card payments
  • Transfer balances
  • Set travel memos
  • Download transactions to Quicken
  • Enroll in text alerts to help prevent fraudulent use 

Visit MyCardInfo today. If you're an Online Banking user, you can access MyCardInfo directly by clicking on your credit card account within Online Banking.

Apple Pay®
Apple Pay® is a simple and secure way to make purchases with your Northwest Federal credit  card or debit card. Once you’ve added the card to your Passbook® on your iPhone® 6 or later, you’ll just hold your phone near a participating merchant’s contactless reader to pay. A vibration and beep let you know your payment has been accepted.

MasterPass™ by Mastercard®
​Northwest Federal offers MasterPass™ by Mastercard® for faster checkout when shopping online, within retailers' apps, or at your favorite stores. With MasterPass™ on your mobile phone, you'll enjoy added convenience and enhanced security when using your Northwest Federal debit card or credit card. 

NFC-enabled Android™ users can get started by visiting the Google Play store to download the MasterPass™ by Mastercard® Android™ app and following the steps to set up your account. Your information will be securely stored and you'll be ready to start using this option.

Apply Today


Passbook and iPhone are registered trademarks of Apple Inc.

​Mastercard® is a registered trademark and MasterPass is a trademark of Mastercard International Service Association in the United States and other countries.

Android is a trademark of Google LLC.

Google Play and the Google Play logo are trademarks of Google LLC.
*Your initial Annual Percentage Rate (APR) will range from 9.24% to 18.00% based on the product you choose and your creditworthiness. After this, your APR is subject to change monthly based on the Prime Rate published in the Wall Street Journal on the last business day of the prior month. Credit card rates apply to cash advances, balance transfers, and outstanding balances on purchases. There is no annual fee, no balance transfer fee and no cash advance fee. Foreign transactions are subject to a fee of up to 1% of the transaction amount. 

1. Points are earned on purchases only. Points are not earned for convenience checks, cash advances, balance transfers, returned purchases or purchases that are reversed. Points earned in the NOW REWARDS program will expire 5 years from end of month in which points were earned. Cardholder point balances that are carried over to NOW REWARDS on October 1, 2018 will expire in 5 years. 

2. New NOW REWARDS cardholders must log-in to their Northwest Federal Online Banking account to access their NOW REWARDS account within 30 days of opening their new NOW REWARDS card in order to receive 500 bonus points. Existing Member Rewards Mastercard cardholders must log-in to their NOW REWARDS account by November 4, 2018 in order to receive 500 bonus points.  Offer valid as of 10/1/18 and subject to change. 

3. Bonus points will be added to your NOW REWARDS account upon obtaining a qualifying Northwest Federal auto loan, mortgage, home equity loan/home equity line of credit. Some restrictions apply. Not valid on refinance of an existing Northwest Federal loan. Offer valid as of 10/1/18 and subject to change. 

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. 
Credit Card Disclosure & Pricing Information.