NEIGHBORS FEDERAL CREDIT UNION 
P.O. Box 2831 
Baton Rouge, LA 70821-2831 
225-819-2178 
866-819-2178 

VISA Clear Step/VISA Clear Save
VISA Clear Point/VISA Clear Elite
APPLICATION AND SOLICITATION DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

Visa Clear Step
15.90%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Save
1.90% Introductory APR for a period of 12 billing cycles.
After that your APR will be 7.90% to 16.40%, based on your
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Point
1.90% Introductory APR for a period of 12 billing cycles.
After that your APR will be 9.90% to 17.75%, based on your
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Elite
11.15% to 18.00% when you open your account, based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Clear Step
15.90%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Save
0.00% Introductory APR for a period of 12 billing cycles. 

After that your APR will be 7.90% to 16.40%, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Point
0.00% Introductory APR for a period of 12 billing cycles. 

After that your APR will be 9.90% to 17.75%, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Elite
11.15% to 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

APR for Cash Advances 

Penalty APR and When it Applies 

Visa Clear Step
15.90%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Save
7.90% to 16.40% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Point
9.90% to 17.75% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Visa Clear Elite
11.15% to 18.00% when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa Clear Step
18.00%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Save
18.00%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Point
18.00%
This APR will vary with the market based on the Prime Rate. 

Visa Clear Elite
18.00%
This APR will vary with the market based on the Prime Rate. 

This APR may be applied to your account if you: 

-  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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 
Set-up and Maintenance Fees 
-  Annual Fee - Visa Clear Step
-  Annual Fee - Visa Clear Save
-  Annual Fee - Visa Clear Point
-  Annual Fee - Visa Clear Elite
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 

None 
None 
None 
$100.00 
None 
None 
None 
None 
None 

$10.00 or 2.00% of the amount of each balance transfer, whichever is 

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-  Cash Advance Fee 

-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

greater (Maximum Fee: $25.00) 
$10.00 or 2.00% of the amount of each cash advance, whichever is 
greater 
1.00% of each transaction in U.S. dollars 
None 

$26.00 
None 
$26.00 

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).” 

Visa  Clear  Save  and  Visa  Clear  Point  –  Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for
purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the 
opening of your account.  

Visa Clear Save and Visa Clear Point – Loss of Introductory APR: We may end your Introductory APR for purchases
and balance transfers and apply the Penalty APR if you are 90 days late in making a payment.  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 90 days late in making 
a payment. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of June 26, 2017.  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Annual Fee – Visa Clear Elite
Late Payment Fee 

$100.00, if annual minimum spending limit of $10,000 is not met.
$26.00 if you are ten or more days late in making a payment. 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
PIN Replacement Fee 
Card Replacement Fee 
Card Recovery Fee 
Pay-by-Phone Fee 

$26.00 

$26.00

None 
None 
$35.00 
$5.00 
$25.00 
$5.00 
None
$15.00

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