NCFCU Savings Rates

NCFCU VISA Rates

Information Effective as of July 1, 2010

Loan Type	A.P.R.*
VISA Classic Visa Gold Visa Platinum	12.90% 9.90% 6.90%
APR for Balance Transfers	Same as above
APR for Cash Advances	Same as above
Repayment of Balance for Purchases	25 Days
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle.
How to Avoid continued...	We will not charge you any interest on purchases if you pay your entire balance by the due date.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card,
Tips continued...	visit the website http://www.federalreserve.gov/creditcard
FEES
Annual Fee	None
-Balance Transfer -Cash Advance -Foreign Transaction	None None Currently a 1.0% fee is assessed only on International Transactions when a currency
continued...	conversion occurs. Visa will also impose a 0.8% fee where a conversion is not performed.
-Late Payment -Cash Advance -Over-the-Limit -Returned Payment	$15.00 None None $30.00
Other Fees -Cards express mail at member's request -Call Fidelity to pay bill	$30.00 $10.00

*APR denotes Annual Percentage Rate.
The type of card and credit limit will be established based on income, employment and credit report at the time the application is reviewed.

Your Savings Federally Insured to at
least $250,000 and backed by the
full faith and credit of the United
States Government

National Credit Union Administration,
a U.S. Government Agency

		New Cumberland Federal Credit Union
		Your Community Credit Union