Debit and Credit Cards

North Side offers both secured and unsecured Visa credit cards for your convenience. If you have been turned down for other credit cards, consider our secured Visa. It is secured by funds in your savings account and can help you build a positive credit history. If you have established credit, you may be eligible for our unsecured Visa.

Secured Credit Card

This Visa Card is secured by money in your savings account. If no credit or need to repair your credit, a secured card is one of your tools. Manage this card properly and your positive credit history will grow.

How to Apply

  • Complete and submit the application in person or by login into online banking.
  • The card will be sent to your home within 10 business days.

“Terms and Conditions”

  • Credit Limit – minimum of $200, and the maximum is based on the amount of secured funds in your savings account.
  • Secure the credit limit plus $100 in a savings account to receive a secured card.
  • Application Fee: $30
  • Annual Percentage Rate: 15.84% for purchases and cash advances
  • Annual Fee: $15.00
  • Late Fee: $25.00
  • Over Limit Fee: $5.00
  • Grace Period – 25 days

Unsecured Credit Card

An unsecured credit card with a credit limit and Annual Percentage Rate based on your income and credit history.

Requirements

  • Positive credit history.
  • If approved, and your score is below 650, a $200 minimum account balance is required.

How to apply

  • Complete and submit the application in person or by login into online banking.
  • Submit Employment Verification with two recent pay stubs with the application.
  • The application will be approved or denied by the credit committee within 2 business days.

“Terms and Conditions”

  • Annual Percentage Rate of 11.88% or 15.84% (based on risk rating) for cash advances and purchases
  • Application Fee: $30
  • Annual Fee: $15.00
  • Late Fee: $25
  • Over Limit Fee: $5.00
  • Grace Period – 25 days

Debit Card

We offer a Visa Branded Debit Card! Members have access to their funds 24/7.
– Pay for everyday purchases without carrying cash or checks
– Use where cash and checks are not accepted
– Pay bills more efficiently
*Debit cards are offered only to Members holding a Share Draft Checking Account, Fresh Draft Checking Account or Second Chance Draft Account.

Prepaid Debit Card

For Members that do not have a Share Draft Checking, a Prepaid VISA card option is also available. Prepaid cards can be used with either savings or checking accounts.

Feel free to call the branch 773-7699-5800 to get your Prepaid started.