The North Coast Credit Union is a personal credit card from North Coast Credit Union. The annual fee is Annual fees is $50. Waived for the first year. Rewards: Earn 1 reward point for every $1 charged; Use for travel, gift cards, or merchandise; Earn 1% cash back on purchases. Typical credit limit: Maximum loan of $10,000, based on credit tier.. Loan terms: Monthly payments minimum1.5% of balance.