The Northwest Federal Credit Union is a personal credit card from Northwest Federal Credit Union. Application typically pulls a hard report from Equifax. The annual fee is No annual fee. The ongoing APR is 15.90% APR (non-variable). Rewards: Low credit limit for establishing credit. Typical credit limit: Up to $1,000 for members 18 and older; $250 for members under 18 (co-applicant required, minimum age 15). This product reports activity to your personal credit report.