Maybe, what you don't need is another credit card, but a way to pay off one or more credit cards you already have.  Northland Credit Union created a Rate Locker loan to lock in a low fixed rate of interest to pay off those pesky credit cards.  Don't worry, if you get rid of your credit cards with our Rate Locker Loan, you can still get our free VISA debit card with one of our great checking accounts!