Visa Credit Cards

It�s easy to fall into the never-ending credit card �best rate� chase.

You 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, sacrificing your sanity and the personal service you deserve.

Special Rate for New Purchases and Balance Transfers

6.9% APR*

for purchases made from
1/1/12 through 6/30/12

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, 2012. 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

Limited special: Annual Percentage Rate (APR) for New Purchases and Balance Transfers made from 1/1/12 through 6/30/12 until balance is paid full	6.90%
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 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

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; 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

Up to $10.00 if your payment is more than 21 days late

None

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

*Annual Percentage Rate. NHFCU may lend to members only. All loan are subject to credit requirements. Contact us for membership eligibility.

Limited special: Annual Percentage
Rate (APR) for Purchases made
from 6/1/11 through 12/31/11 until
balance is paid full

*Annual Percentage Rate

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Disclosures

	70 Airport Road Concord NH 03301 (603) 224-7731 (800) 639-4039 contact by email		7K Mill Road Durham, NH 03824 (603)868-2085 (800)639-5402 contact by email
	© 2007 New Hampshire Federal Credit Union. All rights reserved.
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