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VISA Credit Cards
Avoid falling 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. NHFCU is an organization you can trust to offer you a stable rate since 1991.
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 July 1, 2016. You can contact us toll free at (800) 639-4039 to inquire if any changes occurred since the effective date.
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 July 1, 2016. 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 Cash Advances | 12.90% interest charges accrue from the date the transaction occurs | | Annual Percentage Rate for Purchases, Balance Transfers and Cash advances after 2/28/2015 | 12.90% Cash Advance and Balance Transfer interest charges accrue from the date the transaction occurs | | 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 |
FEES: | Fees to Open or Maintain Your Account: |
None
None | | Transfer Fees: |
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: |
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.
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