Visa Credit Card Disclosure
Please read and agree or disagree to the terms of the disclosure at the bottom of the page to continue.
Tabular Disclosure |
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Annual Percentage Rate (APR) for Purchase
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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
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1.90% for six months
After that, your APR will be 6.9% to 17.9% based on your creditworthiness.
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APR for Cash Advances
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1.90% for six months
After that, your APR will be 6.9% to 17.9% based on your creditworthiness.
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Penalty APR and When It Applies
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18.00%
This APR may be applied to your account if you make a late payment.
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How to Avoid Paying Interest on Purchases
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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.
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Minimum Interest Charge
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There is no minimum interest charge that will apply to your account.
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For Credit Card Tips from the Federal Reserve Board
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| Annual Fee |
None |
Transaction Fees
Balance Transfer
Cash Advance
Foreign Transactions
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None
None
1% on Multiple Currency Foreign Transactions
0.8% on Single Currency Foreign Transactions
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Penalty Fees
Late Payment
Over-the Credit-Limit
Returned Payments
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5% of the amount past due, with a maximum late fee of 25.00
None
$25.00 per returned payment
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Other Fees
Replacement Card
Rush Card
Rush PIN
Rush Card and PIN
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$5.00 per card
$30.00 per replacement
$30.00 per replacement
$60.00 per replacement
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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. |
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| Neighbors Federal Credit Union. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency. |
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| © Neighbors Federal Credit Union - All rights reserved |
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