Current Rates

Neighborly Advice

Visa Credit Cards

Type of Credit Card	APR	Description
Platinum Visa	10.99%	Variable rate. Standard Rate
Classic Visa	12.99%	Variable rate. Standard Rate

APR Equals Annual Percentage Rate

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of the effective date below. You can call or write us at the address or telephone number below to inquire if any changes occurred since the effective date. Please not that this disclosure applies to cash advances as well as purchases.

Platinum Visa Credit Cards

Annual Percentage Rate (APR): Other APRs:	Standard Rate 10.99% Balance Transfer APR: 10.99% Cash Advance APR: 10.99% APR*
Variable Rate Information:	Variable rated based on Wall Street Journal Prime + margin of 7.74%; rate can change at the end of each calender quarter. The current Prime rate as of 4/20/2013 is 3.25%. For Example: As of 4/20/2013 Current WSJ Prime is 3.25%. Margin 7.74%. Maximum Rate 10.99%.
Grace Period for Repayment of Balances for Purchases:	You have 28-30 days from the statement closing date to repay your new balance in full without a finance charge (provided you have paid in full the New Balance Total from the previous statement by its Payment Due Date.) Does not apply to Cash Advances
Method of Computing the Balance for Purchases:	Average Daily Balance (including new purchases)
Late Fee (based on balanced owed):	$0-$10.00= $0 $10.01-$5,000= $10 $5,000.01-$10,000= $20 $10,000.01 + = $25
Minimum Finance Charge:	None
Annual Fee:	None
International Transaction Fee:	1% fee on foreign transactions (converted to USD)
Transaction Fees for Cash Advances:	None
Effective Date:	4/20/2013

Default Status and Rewards:

Any Scorecard Reward Points will not be earned if in default status (defined as having not made a minimum payment by 28-30 days after due date). Existing Scorecard Reward Points will be available for redemption. Also, if in default status, any Cash Rewards will be forfeited and no additional Cash Rewards will be earned when in default status.

Late payment fee:

Any payment received more than five (5) days after the due date shown on the most recent statement will be charged a Late Payment Fee.

Other fees:

if not paid in cash, they will be charged to your share account Replacement card fee $5.00 for each card Credit/Debit slip photocopy $12.00 for each copy Statement photocopy $2.00.

How your NECU rebate works:

You must have a NECU checking account and $10,000 in non-Visa loans and/or non-checking share balances to qualify for 1/2% rebate on purchases of $2,000 or more and to receive a 15% interest rebate. Rebate will appear as a deposit into your NECU savings or checking account.This will appear on your statement following the end of the calendar year. This 1/2% rebate does not apply to cash advances, VISA convenience checks, ATM advances, advances for overdraft protection or advances via telephone banking or online banking.

How your Rewards Scorecard program works:

You will receive one point for each dollar of qualifying purchases, net of returns, (net purchases) that you charge to this card. Qualifying purchases do not include cash advances² No points are awarded for finance charges, fees, foreign currency conversion or insurance charges to your account. Unused points will expire if not used within 60 months.

http://www.scorecardrewards.com&name=Rewards scorecard program

Classic Visa Credit Cards

Annual Percentage Rate: Other APRs:	Standard Rate 12.99% Balance Transfer APR: 12.99% Cash Advance APR: 12.99%*
Variable Rate Information	Variable rate based on Wall Street Journal Prime + margin of 9.74%; rate can change at the end of each calender quarter. The current Prime rate as of 11/13/09 is 3.25%. For Example: As of 11/13/2009 Current WSJ Prime is 3.25%. Margin 9.74%. Maximum Rate is 12.99%
Grace Period for Repayment of Balances for Purchases**	You have 28-30 days from statement closing date to repay your new balance without a finance charge (provided you have paid in full the new balance total from the previous statement by its Payment Due Date). Does not apply to Cash Advances.
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Annual Fees:	None
International Transaction Fee:	1% fee on foreign transactions (converted to USD)
Minimum Finance Charge:	None
Transaction Fees for Cash Advances:	None
Late Fee (based on balance owed):	$0.00-$10.00= $0 $10.01-$5,000= $10 $5,000.01-$10,000= $20 $10,000.01 + = $25
Effective date:	11/14/2009

Default Status and Rewards:

If in default status (defined as having not made a minimum payment by 28-30 days after due date), any Cash Rewards will be forfeited and no additional Cash Rewards will be earned when in default status.

Late Payment Fee:

Any payment received more than five (5) days after the due date shown on the most recent statement will be charged a Late Payment Fee.

How your NECU rebate/rewards works:
You must have an NECU checking account and $5,000 in non-Visa loans and/or non-checking share accounts to qualify for 1/2% rebate on purchases of $2,000 or more and to receive a 10% interest rebate. The rebate will be shown as a deposit into your NECU savings or checking account. This deposit will appear on your statement following the end of the calendar year. The 1/2% rebate does not apply to cash advances, VISA convenience checks, ATM advances, advances for overdraft protection or advances via telephone banking or online banking.

Other charges:
$12.00 for each photocopy of a credit / debit requested (unless a billing error is involved); a replacement fee of $5.00 for each Card; and $2.00 for each photocopy of Your monthly statement. These charges, if not paid in cash, will be charged to Your Share Account. Visa Card may not be used for any illegal transactions.