Credit Cards
NorthWinds offers various credit card accounts and virtual services to help you manage your money easily and securely. And our interest rates are well below the national average. Get your NorthWinds card today!
Four VISA Card Options – Pick the One that Fits Your Lifestyle!
Start Here/Start Here Secured
16.65% APR*
Start Here to build or rebuild your credit
Secured card option available
- No Annual Fee
- Online and Mobile Account Management
- Competitive Rate
- EMV Chip Security
- No Balance Transfer Fee
- Free** Mobile Pay
- Convenience Checks Available
This APR* will vary with the market based on the Prime Rate.
**Message and data rates may apply
Gold Rewards
12.65% APR*
Earn rewards or 1% cash back on purchases
Easy redemption of Cash, certificates or merchandise from UChoose Rewards®.
- No Annual Fee
- Online and Mobile Account Management
- Competitive Rate
- EMV Chip Security
- No Balance Transfer Fee
- Free** Mobile Pay
- Convenience Checks Available
This APR* will vary with the market based on the Prime Rate.
**Message and data rates may apply
Platinum Preferred
10.65% APR*
Low introductory rate
Save with a 0% APR on purchases made in the first 90 days for 15 months.**
- Low Competitive Rate
- Online and Mobile Account Management
- No Annual Fee
- EMV Chip Security
- No Balance Transfer Fee
- Free** Mobile Pay
- Convenience Checks Available
This APR* will vary with the market based on the Prime Rate.
**Message and data rates may apply
Business Rewards
12.65% APR*
Earn rewards or 1.5% cash back on purchases
Easy redemption of Cash, certificates or merchandise from UChoose Rewards®.
- No Annual Fee
- Online and Mobile Account Management
- Competitive Rate
- EMV Chip Security
Call or stop in to apply.
This APR* will vary with the market based on the Prime Rate.
Need Your Cardholders Agreement? Click here to download a copy of your VISA Cardholders Agreement.
For any other questions about your card, contact the credit union or call the VISA Service Center toll free 844-845-8538. Outside the US call 240-651-7802. You can use this number to activate your card, report it lost/stolen and to file a dispute.
Payment address is: P.O. Box 2711, Omaha, NE 68103-2711
Mobile Card Management Services
The NorthWinds Mobile app lets you manage your NorthWinds credit and debit cards in real time. Protection against card fraud and misuse is now available right at your fingertips!
- Control when and where your card is used
- Authorize Travel Alerts for your cards to work in different geographic areas for specific periods of time when traveling
- Receive real-time push notifications to alert you of card usage
- Control card security by locking your card when not in use
- View balances and transactions
- Great for managing your dependents’ purchases to avoid misuse
If your card has been stolen or fraudulent transactions have been posted to your account, simply turn off your card and call the Credit Union.
If You Need to Call About Your Card
Credit Card Inquiries - 1-844-845-8538
To report a lost or stolen Credit card or to dispute a credit card transaction, call 844-845-8538. Outside the US call 240-651-7802. Our credit card call center is available 24/7.
These types of inquiries include:
- uChoose Reward Inquiries
- Account Online Access Application questions
- Balance Transfer Processing
- Card Activation
- Convenience Check ordering
- Correcting cardholder info (SSN, DOB, MMN)
- Replacement Card
- Lockbox Support Processing
- Payment Posing Changes/Corrections
- ACH Support Processing
- Set up recurring auto pay
- On Demand Payment
- Lost/Stolen Card Reporting
- Fraudulent Accounts
- Billing Disputes
- Chargebacks (Dispute Resolutions)
- Declined cards
- Retrieval Request
- Statement Copy
Debit Card Inquiries - 1-833-311-0079
- Lost/Stolen Cards
- General Inquiries
- Card Replacement
- Reset Pin Attempts
- Card production Inquiries
- Temporary Limit Increase
- Card Decline
- Travel Notices
- Cardvalet Assistance
- Cardfree Cash support
To Dispute a Transaction
- Call the Fiserv Dispute Line at 1-833-311-0083.
Debit Card Disputes - 1-833-311-0083
To dispute a Debit card transaction, call the FIserv Dispute Line at 1-833-311-0083.
Register for uChoose Rewards® today!
Then, use your NorthWinds FCU Visa Rewards Card to start earning 1 point per $1 for all your purchases – wherever you shop! Redeem points for the rewards you want most – the choices are endless! Plus, earn up to 10 points per $1 with special offers from featured merchants.
Choose from a wide array of merchandise, travel experiences and activities, event tickets, merchant gift cards and much more!
You earn points every time you shop with your card – not just at participating retailers!
Once you register your account, you’ll also receive exclusive offers via email. Simply activate these offers to earn more points at all your favorite stores. (Activation required for some offers.)
Visit uChooseRewards.com for the latest offers and a full list of participating retailers.
NorthWinds Gift Cards
You can use it like a credit card, but within strict spending limits. If your card is lost or stolen, you can get a replacement card at minimal cost.
Why Use a NorthWinds Gift Card?
- It’s versatile. NorthWinds gift cards are accepted everywhere Visa debit cards are accepted in the United States.
- It prevents identity theft. A gift card is safer to use when shopping online than a credit card or debit card.
- It’s a great budgeting tool. Some parents give their kids an allowance in the form of monthly gift cards. You can’t “bounce” a gift card, so it’s much harder to overspend.
- It’s safer than cash. If your card is lost or stolen, we’ll issue a replacement card at minimal cost.
- It’s online! You can register your card and then check your balance online and more. Click here to get started.
To get your gift card, stop at your nearest NorthWinds branch and talk to one of our representatives today. It’s quick and easy!
*Fees Apply. See our Cardholder Agreement.