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67

VISA Consumer Credit Card

North Country Federal Credit Union

RegionalFixed rateCredit score 620–719
Issuer site ↗
Purchase APR
6.45–16.95%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
None

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
16.95%
≤619
13.95%
620–719
11.95%
720+
7.45%
Lowest offered6.45%
Median11.95%
Highest offered16.95%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered6.45%
Median11.95%
Highest offered16.95%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction fee1%
Purchase transaction feeNone
Late fee$20
Over-limit feeNone
Minimum finance charge$20
Balance computationAverage daily balance including new purchases

Rewards, benefits and features

Rewards
  • Cashback rewards
  • Travel-related rewards
  • Other rewards
Services
  • Automobile rental insurance
  • Debt cancellation coverage
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Redeem points for gifts cards or goods

Who can get this card

AvailabilityRegional
StatesNH, NY, VT
Membership requirementsYes
RequirementProfessional Affiliation
RequirementOther. Please Describe:

Affiliation: Work in Membership area

Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 11.95%$358.50
Annual / periodic fees$0
Total yearly cost$358.50

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the stated-day grace period avoids the interest entirely.

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