Visa® Credit CardsYou decide to take advantage of a teaser rate, and begin the roller coaster ride, ready to jump at the next best rate that comes along, moving from credit card provider to credit card provider, while sacrificing your sanity and the personal service you deserve.
Now, we may not offer the lowest rate you'll ever come across, but, we do offer a stable rate that hasn't changed since 1991. 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 January 1, 2013
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It’s easy to fall into the never-ending credit card “best rate” chase.
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 January 1, 2013. 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 and Cash Advances|| 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.|
|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|
*Annual Percentage Rate. NHFCU may lend to members only. All loan are subject to credit requirements. Contact us for membership eligibility.
|Fees to Open or Maintain Your Account:|
|Transfer Fees:|| |
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:||Up to $10.00 if your payment is more than 21 days late|
Up to $25.00 if your payment is returned for any reason