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North Star CCU Visa

North Star Community Credit Union

One State/TerritoryFixed rateCredit score 620–719Credit score 720+
Issuer site ↗
Purchase APR
11–13%
Annual fee
None
0% intro
None
0% transfer
None
Foreign fee
None
Grace period
25 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

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

Lowest offered11%
Median12%
Highest offered13%

Cash advance APR

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

Lowest offered11%
Median12%
Highest offered13%

Every fee on this card

Annual feeNone
Balance transfer feeNone
Cash advance feeNone
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$15
Over-limit feeNone
Minimum finance chargeNone
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$28

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services

None reported

Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)

Issuer note: Points that can be used to purchase merchandise at checkout, statement credit, and to purchase travel.

Who can get this card

AvailabilityOne State/Territory
StatesND
Membership requirementsYes
RequirementGeographic Restrictions Beyond Place of Residence

Geographic: 1. You live within 50 miles of BottineauMap of membership area 2. You live within 50 miles of Rugby 3. You live within 50 miles of Cavalier 4. You live within 75 miles of Maddock 5. You live within 75 miles of Tolna 6. You live in the county of McLea

Balance transfer

This card does not offer a balance transfer rate.

Cost to carry a balance
Interest for a year at 12.00%$360
Annual / periodic fees$0
Total yearly cost$360

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 25-day grace period avoids the interest entirely.

Cardholder agreements

2 documents filed by North Star Community Credit Union in the 2026 Q1 archive.

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