The Northern Credit Union is a personal credit card from Northern Credit Union. The annual fee is $0. The ongoing APR is 13.40% to 19.40% variable, based on creditworthiness (disclosure effective October 1, 2026) after a 0% intro APR on balance transfers for 12 months introductory rate for 12 months. Rewards: 1.5% cashback on every purchase; rewards never expire.