Credit Cards

Northeast Credit Union (NECU) offers members two different Visa credit cards to meet their credit needs. Both offer competitively low interest rates, no annual fees, and benefits such as identity theft and fraud monitoring:

•  Classic Visa: Best for individuals seeking to establish or re-establish good credit, and/or to have a lower-limit credit card on hand for emergencies and required purchases.

• Platinum Visa: A good choice for consumers with established credit who need an extended credit limit for high-end purchases such as electronics and dream vacations.

NECU members enjoy added benefits!: An active¹ Northeast Credit Union Visa Credit Card qualifies members for a .25% loan rate reduction on many consumer loans, including auto, boat, and RV loans. 


 

Existing Classic and Platinum VISA Credit Card Holders

If your NECU Visa credit card was issued prior to November 13, 2009,  please refer to the notice you were mailed in November regarding changes to your current card and rewards program. The following information applies to all cardholders with cards issued on or after November 13, 2009.

Classic Visa Credit Card

The Classic Visa is the best choice for students, young families, and other individuals seeking to establish or re-establish good credit. This credit card has a lower credit limit, so you'll know credit is there in case of an emergency or other required purchases. The Classic Visa can meet your basic purchasing needs while you're building up your credit rating -- and enjoying these great benefits:

• No annual fee
• Low rate - You'll always get a competitively low rate from Northeast Credit Union.
• 1/2% Cash Reward* - Receive 1/2% cash reward on all of your purchases in excess of $2,000 in a calendar year. 
• 10% Interest Rebate*
• Loan rate reduction - Having an active¹ Northeast Credit Union Visa Credit Card qualifies you for a .25% loan rate reduction on many consumer loans like autos, boats, RVs and motorcycles.
• Serviced locally.
• Around the clock fraud monitoring
• Free Identity Theft 911^tm service

 Platinum Visa Credit Card

The Platinum Visa is a good choice for individuals who have established a good credit rating and who seek a higher credit limit for luxury purchases such as electronics, furnishings, and dream vacations. Get added protection when you travel with the Platinum Visa's travel accident and auto rental insurance. And the more you spend, the more you get back with ScoreCard^sm Bonus Points and cash back rewards. Benefits: 

•  Competitive low rate.
•  No annual fee.
•  1/2% Reward on your purchases** - receive 1/2% cash back on purchases in excess of $2,000 in a calendar year.
•  15% Interest Rebate**
•  ScoreCard^sm Bonus Points - Also receive one ScoreCard Bonus point for every dollar spent - to be redeemed for select merchandise.
• Loan rate reduction - Having an active¹ Northeast Credit Union Visa Credit Card qualifies you for a .25% loan rate reduction on many consumer loans like autos, boats, RVs and motorcycles.
• Added benefits - You'll also get added benefits like Travel Accident Insurance, Visa Auto Rental Insurance, Identity     Theft Insurance and 24/7 emergency card replacement and cash advances.
• Serviced locally.
• Around the clock fraud monitoring.
• Free Identity Theft 911^tm service.

Around the Clock Fraud Monitoring.

Northeast Credit Union services all of our credit card accounts locally. We are committed to keeping our members' best interest and security at the forefront of what we do. As part of our credit card services, we utilize Falcon fraud monitoring - a service of Fidelity National Information Services, Inc. Falcon monitors credit card usage 24/7 to help detect any suspicious card activity. In the event there is suspicious activity, the member is contacted about the legitimacy of any questionable activity.

You can help us strengthen our fraud monitoring procedures by keeping your contact information up-to-date. You can verify or edit your contact information by logging onto CyberTel to view your "Account Snapshot". If you need to make changes, select "Edit Contact Information". Or, you can call a Member Service Representative at 1-888-436-1847 to make the changes on your behalf.


Notify Us of Your Travel Plans.

Let us know where and when you’ll be traveling to help ensure that your debit or credit card isn’t flagged for unusual activity. To activate a Visa Travel Notification through CyberTel:

•   Log on to CyberTel
•   Select “My Account”
•   Select “Visa”
•   Select “Visa Travel Notification”
•   Fill out the fields shown
•   Select “Continue”

You can also activate a Visa Travel Notification by calling a Northeast Credit Union Member Service Representative at 1-888-436-1847.

Report a Lost or Stolen Visa Card.

If your Visa card is lost or stolen, please call Member Service immediately at 1-888-436-1847, 24 hours a day, 7 days a week.  Members can also report a lost or stolen Visa card online by logging on to CyberTel, clicking on "Member Services" and choosing the appropriate menu item.


IdentityTheft911^TM

Northeast Credit Union has partnered with Identity Theft 911, the recognized leader in one-on-one victim advocacy and identity theft education. Identity Theft 911's resolution specialists have extensive experience in dealing with financial fraud. They know exactly how to handle the situation, and do all the work for you, so you can move on with your life. This service is now available to all of our checking and credit card members - FREE. To learn how to protect yourself and your family today, visit www.identitytheft911-necu.org.

Other Products and Services to Consider

• Relationship Checking
• Online Services
• Auto Loan
• Online Bill Payment

Subject to credit approval.