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  Neighbors Federal Credit Union Step Visa Credit Card

Neighbors Federal Credit Union Step Visa Credit Card

in Personal Credit Cards from Neighbors Federal Credit Union

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Neighbors Federal Credit Union Step Visa Credit Card

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in Personal Credit Cards from Neighbors Federal Credit Union

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Highlights
Purchase APR  (Variable APR) 17.15%
Balance Transfer APR  (Variable APR) 17.15%
Credit Score Range 600 - 850
Annual Fee $0

Neighbors Federal Credit Union Step Visa Credit Card Review

Neighbors Federal Credit Union Step Visa Credit Card is a credit card issued by Neighbors Federal Credit Union. If you're wondering whether Neighbors Federal Credit Union Step Visa Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 17.15%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 2% Balance transfer fee. Neighbors Federal Credit Union Step Visa Credit Card charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $10.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Neighbors Federal Credit Union Step Visa Credit Card Pros & Cons
The Good The Bad
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • Neighbors Federal Credit Union Step Visa Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 1%.
  • You don't earn rewards on every purchase.
  • Charges a 2% balance transfer fee.
  • Does not include many credit card benefits.
Neighbors Federal Credit Union Step Visa Credit Card FAQ

Is there a Neighbors Federal Credit Union Step Visa Credit Card cash back or rewards program?

No, Neighbors Federal Credit Union Step Visa Credit Card does not offer a rewards program.

What are the Neighbors Federal Credit Union Step Visa Credit Card benefits?

Neighbors Federal Credit Union Step Visa Credit Card provides the following benefits:

  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Neighbors Federal Credit Union Step Visa Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Neighbors Federal Credit Union Step Visa Credit Card has higher than average purchase APRs.

Neighbors Federal Credit Union Step Visa Credit Card has a variable purchase APR of 17.15%. The card has a variable balance transfer APR of 17.15% . It also has a variable cash advance APR of 17.15% . Note that late payments are subject to an APR of 18% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Neighbors Federal Credit Union Step Visa Credit Card have an introductory APR offer on balance transfers?

No, Neighbors Federal Credit Union Step Visa Credit Card does not come with an introductory APR offer for balance transfers.

Does Neighbors Federal Credit Union Step Visa Credit Card have an introductory APR offer on new purchases?

Neighbors Federal Credit Union Step Visa Credit Card does not offer an introductory rate on new purchases.

What are the fees for Neighbors Federal Credit Union Step Visa Credit Card?

The following fees apply to Neighbors Federal Credit Union Step Visa Credit Card:

Neighbors Federal Credit Union Step Visa Credit Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 1%
Returned Payment Fee up to $26
Late Payment Fee up to $26

Does Neighbors Federal Credit Union Step Visa Credit Card have a foreign transaction fee?

Neighbors Federal Credit Union Step Visa Credit Card charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Neighbors Federal Credit Union Step Visa Credit Card report your account activity to credit bureaus?

Yes, Neighbors Federal Credit Union Step Visa Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Neighbors Federal Credit Union Step Visa Credit Card

  • Visit the Neighbors Federal Credit Union Step Visa Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Neighbors Federal Credit Union

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Availability

  Available in 1 state
Louisiana
Availabile in all of Louisiana

Feature Breakdown

No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Additional Card Fee Amount $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 2%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 1%
Returned Payment Fee Up to $26
Late Fee Amount Up to $26
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Variable APR) 17.15%
Balance Computation "average daily balance (excluding new purchases) (including new balance transfers and cash advances)
Penalty APR (Variable APR) 18%
Purchase APR (Variable APR) 17.15%
Balance Transfer APR (Variable APR) 17.15%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 2%
Card Type
  • Balance Transfer
  • Low Interest
Card Network Visa

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