Credit Cards

Our credit card is worth its weight in gold

Credit card benefits:

  • Low interest rate
  • Generous rewards & benefits
  • On/off control at your fingertips

Credit Cards

as low as

So many good things rolled into one small package

Easy to carry. Easy to use. Easy to earn rewards. Easy to access added benefits, like ID theft protection and roadside assistance. In fact, it might be easy to take your NorthCountry credit card for granted. But with so much going for it, we don't think you will.

  • No annual fee
  • No balance transfer or cash advance fee
  • Competitive interest rate
  • Earn points with qualified purchases that can be redeemed for cash and more
  • Visa's Zero Liability Policy means you're not responsible for unauthorized expenditures
  • Free NortonLifeLock™ to protect you from ID theft
  • Access to Roadside Dispatch®, a pay-per-use roadside assistance program

Extra security, under your control

Online or through the mobile app, you can:

  • Turn your card on or off
  • Report it as lost or stolen
  • Receive alerts when your card is used
  • Set spending limits and other user preferences

*Annual percentage rates (APRs) stated here are "as low as". Your actual APR will be determined by your credit qualifications.

You've got questions, we've got answers

View All FAQs

If an odd charge appears on your account, contact us immediately. If possible, let us know where your card was lost or stolen and the last authorized transaction on the card.

Any of these reasons may be the cause:

  • Your transaction fell outside of your normal spending habits and triggered our fraud detection software.
  • Your card information was input incorrectly.
  • Your card has expired.
  • You turned off your credit card using the security features in digital banking.
  • You have exceeded your overall credit limit.
  • You have exceeded your daily spending limit.

Contact us and let us know you would like to increase your limit. We will guide you through the process to see if you qualify.

For roadside assistance, call 1 800 847-2869.

Roadside Dispatch® is a pay-per-use roadside assistance program that provides security and convenience for people who carry our credit card. No membership or pre-enrollment is required. No annual dues. No limit on usage.

For a set price per service call, the program provides:

  • Standard Towing - Up to 5 miles included1
  • Tire Changing - must have a good, inflated spare
  • Jump Starting
  • Lockout Service (no key replacement)
  • Fuel Delivery - up to 5 gallons (plus the cost of fuel)
  • Standard Winching

Roadside Dispatch will ask you where you are, what the problem is, and while they remain on the phone with you, they will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in an unsafe location, Roadside Dispatch will advise you to hang up and dial 911. If you are not able to dial 911, they will call the non-emergency police number in your area, and will remain on the phone with you at your request until the police arrive.) You have the convenience of one toll-free phone number and you may save money because their rates are pre-negotiated.

Dependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership or pre-enrollment is required. Just call Roadside Dispatch toll-free when you need them.

1 800 847-2869 - it's that easy!

Note: Customers must pay service provider for mileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard Winching applies within 100 feet of paved or county maintained road only. Current fee for a standard service call is $69.95. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

1 Any vehicle with wheels is covered under the program as long as it can be classified as 'Light Duty'. 'Light Duty' vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered 'Medium Duty' or 'Heavy Duty' and are NOT covered under this program.

Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are solely liable for their services. Neither Visa nor NorthCountry Federal Credit Union shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, nor in other "off road" areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability of service may affect assistance responses. Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrival is provided to the customer regardless of their location; however, neither Visa nor NorthCountry Federal Credit Union provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc. a California corporation.

ID Navigator Powered by NortonLifeLock provides you with the tools to help keep you informed of potential threats to your identity so you can act quickly.

How do I enroll? What information will I need to provide?

To enroll, visit and complete the eligibility verification. Once you've been verified, you'll be redirected to the offer page on, which is where you'll enroll for ID Navigator. You'll need to provide your first name, last name, SSN, date of birth, address, phone number, and email address.