At Northwest Georgia Credit Union, we offer the Visa Classic credit card and the Visa Platinum card. Your credit card should offer convenience, not high costs. Why spend more on fees and interest charges than you have to? Discover the savings of a Northwest Georgia Credit Union Visa Card. You'll enjoy the following benefits: No annual fee Secured and unsecured fixed rates 25-day grace period No transaction fee on cash advances from your credit union (interest accrues from the day of the advance) Free travel and accident insurance Optional life and disability insurance available at low rates Please click here to report a lost or stolen Northwest Georgia CU Visa Classic or Visa Gold credit card. Choose The Plan That Works For You Classic Platinum Annual Percentage Rate 11.9% 9.9% Annual Membership Fee NONE NONE Grace Period for Purchases 25 DAYS 25 DAYS Method of Computing Balance Average Daily Balance (including new purchases) Minimum Finance Charge NONE NONE Transaction Fee NONE NONE Cash Advance Fee: NONE Over-Credit-Limit Fee: $10.00 Return Check Fee: $5.00 Request for Statement Copy Fee: $3.00 Card replacement Fee: $5.00 Late Payment Fee: $20.00 if paid ten (10) or more days after due date. Late payments and over-limit transactions violate your VISA account agreement

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