NEIGHBORS
FEDERAL CREDIT UNION
VISA CREDIT CARD DISCLOSURE

Tabular Disclosure
Annual Percentage Rate (APR) for Purchase
0.00% introductory APR for six (6) months
After that, your APR will be 6.9% to 17.9% based on your creditworthiness.
APR for Balance Transfers
1.90% for six months
After that, your APR will be 6.9% to 17.9% based on your creditworthiness.


APR for Cash Advances
1.90% for six months
After that, your APR will be 6.9% to 17.9% based on your creditworthiness.


Penalty APR and When It Applies
18.00%
This APR may be applied to your account if you make a late payment.

How to Avoid Paying Interest on Purchases
Your due date is at least 29 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge
There is no minimum interest charge that will apply to your account.
For Credit Card Tips from the Federal Reserve Board
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard
Annual Fee
 None
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transactions


None
None
1% on Multiple Currency Foreign Transactions
0.8% on Single Currency Foreign Transactions
Penalty Fees
Late Payment
Over-the Credit-Limit
Returned Payments
5% of the amount past due, with a maximum late fee of 25.00
None
$25.00 per returned payment
Other Fees
Replacement Card
Rush Card
Rush PIN
Rush Card and PIN
$5.00 per card
$30.00 per replacement
$30.00 per replacement
$60.00 per replacement
 
How We Will Calculate Your Balance: We will use a method called “average daily balance (including new purchases).”
Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.
Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 61 days late in making a payment.