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Rates


Visa Credit Cards

We offer a stable, fixed rate.  So, there are no surprises with a NH Federal Credit Union Visa Credit Card, just the best local, personal service you have come to expect from YOUR credit union.

Rates effective February 1, 2017
Receive discounts and rewards by shopping with your VISA card. Click here to find out more!

IMPORTANT CREDIT CARD DISCLOSURES                               

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of February 28, 2015. You can contact us toll free at (800) 639-4039 to inquire if any changes occurred since the effective date.
 
INTEREST RATES and INTEREST CHARGES                               

   
Annual Percentage Rate (APR) for Purchases,   Cash Advances, & Balance Transfers  12.90%  
   
How to Avoid Paying Interest on Purchases Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account. 
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEES:                                                                                             
Fees to Open or Maintain Your Account:
  • Annual Fee
  • Application Fee


  None

  None
Transfer Fees:
  • Balance Transfer
  • Cash Advance
  • Foreign Transaction


  None

  None

1% of each transaction in U.S. dollars if the transaction  involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion
Penalty Fees:
  • Late Payment
  • Over-the-Credit Limit
  • Returned Payment
  • ATM Decline


Up to $25.00 if your payment is more than 21 days late
  
None


Up to $25.00 if your payment is returned for any reason

Up to $5.00 if your ATM transaction is declined for any reason
 
*Annual Percentage Rate. NHFCU may lend to members only. All loan are subject to credit requirements. Contact us for membership eligibility.
Visa Credit Card Fee Dislosures
  Fee Type   Fee
Annual Fee None
Application Fee None
Balance Transfer None
Cash Advance None
Foreign Transaction 1% of each transaction in U.S. dollars if the transaction involves a currency conversion; 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion.

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NMLS#: 440568
Routing#: 211489083
©2015 New Hampshire Federal
Credit Union. All rights reserved.
70 Airport Road
Concord NH 03301
(603) 224-7731
(800) 639-4039
47 N. Main Street
Concord, NH 03301
(603) 224-7731
(800) 639-4039
71 Calef Highway
Lee, NH
(603) 224-7731
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